Raiffeisenbank Burgebrach - Stegaurach eG products, services and reviews

About Raiffeisenbank Burgebrach - Stegaurach eG

Raiffeisenbank Burgebrach – Stegaurach eG is a regional German cooperative bank serving private and business customers in the Bamberg area of Upper Franconia, Bavaria. As a registered cooperative (eG) within the Volksbanken Raiffeisenbanken network, it operates on a member-based model in which clients can acquire cooperative shares and exercise voting rights at the general meeting; any dividend depends on annual results and board decisions. The bank offers standard retail and SME banking services, including current accounts, savings and term deposits, consumer loans, residential mortgages and construction financing, business accounts and working-capital/investment loans, as well as agricultural finance. Securities custody and investment solutions are available via group partners (e.g., Union Investment/DZ BANK), building-society savings and home financing via Bausparkasse Schwäbisch Hall, insurance through R+V Versicherung, and merchant acquiring/payment services via VR Payment. Access channels include local branches, ATMs, online banking, and the VR BankingApp with two-factor authentication for PSD2-compliant transactions; card products typically include girocard and optional credit cards. Pricing is set out in the bank’s Preis- und Leistungsverzeichnis, with account models that may carry monthly fees and usage-based charges; interest rates and conditions are subject to change. Deposits are protected by the statutory BVR Institutssicherung GmbH up to the applicable legal limits, and the bank also participates in the additional institutional protection scheme of the BVR. Oversight is by BaFin and the Deutsche Bundesbank. The institution’s footprint is local, which can limit physical branch access outside its area, while customers can use the broader cooperative ATM network for cash services.