Raiffeisen-Volksbank Tüßling-Unterneukirchen eG products, services and reviews

About Raiffeisen-Volksbank Tüßling-Unterneukirchen eG

Raiffeisen-Volksbank Tüßling-Unterneukirchen eG is a regional cooperative bank in the Altötting district of Bavaria, operating a local branch network centered on Tüßling and Unterneukirchen and serving private and business customers. As an eingetragene Genossenschaft (eG), it follows the cooperative model in which customers can become members by purchasing shares, receive voting rights at the general meeting, and may receive a dividend depending on annual results; liability is limited to the subscribed shares. The bank offers standard retail and SME banking services including current accounts, savings and term deposits, overdrafts, consumer loans, mortgages, and business financing; it also provides access to group partners within the Genossenschaftliche FinanzGruppe such as Union Investment (funds and custody), R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (home savings), VR Payment (merchant services), and DZ BANK (cards and capital markets services). Payments and cash services include SEPA transfers and direct debits, domestic and cross-border transfers via SWIFT, girocard (VR-BankCard) and debit cards, and access to the BankCard ServiceNetz for nationwide ATM withdrawals; withdrawals at non-network ATMs and foreign usage generally incur fees. Digital banking is delivered via the VR BankingApp and online banking platform operated by Atruvia, with common TAN procedures (such as SecureGo plus and chipTAN) and support for Apple Pay and Google Pay on eligible cards; businesses can use electronic banking interfaces for payments and cash management. Pricing follows published price lists with account packages that typically carry monthly fees and à-la-carte charges for services like paper statements, cash transactions, or foreign payments; conditions and interest rates are subject to change and vary by product and customer segment. The bank is supervised by BaFin and the Deutsche Bundesbank; deposits are protected up to 100,000 euros per depositor through the statutory scheme BVR Institutssicherung GmbH, and it also belongs to the additional institutional protection scheme of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken designed to support member institutions. This setup suits customers who want local branch access and the standardized offerings of the cooperative financial group, while those focused on the lowest fees or highest headline rates may need to compare with direct banks.