Raiffeisenbank Aichhalden-Hardt-Sulgen eG products, services and reviews

About Raiffeisenbank Aichhalden-Hardt-Sulgen eG

Raiffeisenbank Aichhalden-Hardt-Sulgen eG is a regional cooperative bank (eingetragene Genossenschaft) serving the communities of Aichhalden, Hardt, and Sulgen in Baden-Württemberg. As part of the Volksbanken Raiffeisenbanken network, it follows the cooperative model under which customers can become members by subscribing to shares, exercise one-member-one-vote governance rights, and may receive a dividend if resolved by the general meeting. The bank’s offering covers standard retail and small-business banking: giro accounts with cards and payment services (SEPA transfers, direct debits, standing orders), consumer loans and overdrafts, residential mortgage and construction financing, and business lending for working capital and investment; savings and term deposits are available alongside securities custody, investment funds typically distributed via Union Investment, and insurance solutions provided within the cooperative financial group. Access is provided through local branches and self-service areas, online banking, and the VR Banking app with two-factor authentication; card options generally include a girocard for domestic use and Visa or Mastercard products for international payments, with support for common mobile wallets. Cash services are available at the bank’s ATMs and across the BankCard ServiceNetz of the cooperative network. Deposits are covered by the statutory guarantee up to 100,000 euros per depositor via BVR Institutssicherung GmbH and by the institutional protection scheme of the National Association of German Cooperative Banks. Pricing typically follows the German model of monthly account management fees and service-related charges that vary by account type; interest rates and lending terms reflect market conditions and individual credit assessments. The institution is supervised by BaFin and the Deutsche Bundesbank. The localized footprint and advisory-led approach primarily address households, small businesses, associations, and agricultural clients in the immediate catchment area; prospective customers should review the current price list, card conditions, and digital features before opening an account.