Raiffeisenbank am Dreisessel eG products, services and reviews

About Raiffeisenbank am Dreisessel eG

Raiffeisenbank am Dreisessel eG is a regional cooperative bank serving private and business customers in the Dreisessel area of Lower Bavaria, operating under German cooperative principles with customer-members holding shares and voting rights. Its core offering covers current accounts with tiered fee models, savings and term deposits, giro and credit cards issued via the cooperative network, SEPA payments, and access to cash through the nationwide BankCard ServiceNetz of Volksbanken Raiffeisenbanken. Lending spans overdrafts, consumer financing, residential mortgages, and SME and agricultural credit, with pricing dependent on creditworthiness, collateral, and terms; public development loans (e.g., KfW) can typically be arranged. Investment and protection products are provided through partners in the Genossenschaftliche FinanzGruppe, including securities brokerage, investment funds, building-society savings, and insurance. Digital banking includes online banking and a mobile app with PSD2-compliant strong customer authentication (e.g., app-based TAN), e-statements, and basic payment features; support for mobile wallets depends on card type and eligibility. Branch and self-service locations provide in-person advisory by appointment, with limited opening hours common for rural outlets; service is also available by phone and secure messaging. Fees and interest are published in the bank’s price and service list and are subject to change; membership shares may pay a dividend that is not guaranteed. The institution is supervised by BaFin and the Deutsche Bundesbank; deposits are protected up to 100,000 EUR per depositor under the legally recognized BVR Institutssicherung, complemented by the sector’s voluntary institutional protection scheme. The bank’s profile suits customers in its catchment area who value local relationship banking and access to the cooperative financial network, while nationwide convenience and product availability may depend on network arrangements and individual eligibility.