Raiffeisenbank Bechhofen eG products, services and reviews

About Raiffeisenbank Bechhofen eG

Raiffeisenbank Bechhofen eG is a regional cooperative bank based in Bechhofen (Bavaria) and part of the Volksbanken Raiffeisenbanken network. It operates on a member-owned model in which customers can purchase cooperative shares, exercise voting rights at the general meeting, and may receive a dividend if approved, subject to earnings and legal requirements. The bank focuses on retail and small-business clients in its local area and offers current accounts, savings and term deposits, consumer and mortgage financing, SME loans, payment services and cards, and access to investment, building society, and insurance products through partners in the cooperative financial group. Services are provided via local branches, online and mobile channels, and phone; the branch footprint is confined to the region, while cash withdrawals are available at ATMs of the Volksbanken Raiffeisenbanken alliance using the bank’s girocard as per the applicable tariff. Pricing is set out in the published Preis- und Leistungsverzeichnis; account packages, cards, SEPA payments, and cash services are charged according to that schedule, and interest rates reflect prevailing market conditions. Customer onboarding and lending follow German identification, AML, and creditworthiness rules, typically including SCHUFA checks; business clients can access standard cash management and financing solutions, supplemented by products from group partners (e.g., Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, DZ BANK). The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits fall under the cooperative sector’s institutional protection scheme (BVR Institutssicherung GmbH), recognized as the statutory deposit guarantee up to 100,000 EUR per depositor; the sector also maintains an additional protection mechanism aimed at preventing member bank insolvency. The bank primarily serves German-speaking retail and business customers in the surrounding area; availability of specific products, digital functions, cut-off times, and fees should be checked against the bank’s current documentation.