Raiffeisenbank am Kulm eG products, services and reviews

About Raiffeisenbank am Kulm eG

Raiffeisenbank am Kulm eG is a German cooperative bank (eingetragene Genossenschaft) within the Volksbanken Raiffeisenbanken network, supervised by BaFin and the Deutsche Bundesbank, and owned by member‑shareholders under cooperative governance with a member assembly. Its product set typically covers retail and small‑business banking, including giro accounts, debit and credit cards (girocard and Visa/Mastercard), SEPA transfers, overdrafts, savings and term deposits, securities custody and investment funds via group partners such as Union Investment/DZ Bank, and insurance brokerage commonly aligned with R+V Versicherung; pricing is set out in the bank’s schedule of fees and charges, with monthly account packages, card fees, and per‑transaction costs varying by tariff. Lending generally includes consumer loans, mortgage and construction financing (often alongside building‑society products), and for businesses working‑capital lines, investment loans, commercial real estate finance, leasing, merchant acquiring through VR Payment, and cash management; agricultural customers can access sector‑specific financing. Access is provided through local branches, own ATMs and the nationwide BankCard ServiceNet of the Volksbanken Raiffeisenbanken, while withdrawals at third‑party ATMs may attract fees; cash services and coin handling may be restricted to specific locations and opening hours. Digital channels comprise online banking and the VR Banking App with two‑factor authentication, electronic statements, transfers, standing orders, card controls and notifications; availability of instant payments and wallet services such as Apple Pay or Google Pay depends on the bank’s current rollout. Deposits are covered by the statutory German scheme operated by BVR Institutssicherung GmbH and the institutional protection scheme of the National Association of German Cooperative Banks (BVR); customers should review the bank’s disclosures for scope and limits. Conditions, interest rates and product availability are determined locally and change over time, and all credit decisions are subject to affordability, collateral and regulatory requirements; prospective customers should compare account models, transaction patterns and service channels to assess total cost and fit.