Raiffeisenbank Bütthard-Gaukönigshofen eG products, services and reviews

About Raiffeisenbank Bütthard-Gaukönigshofen eG

Raiffeisenbank Bütthard-Gaukönigshofen eG is a local German cooperative bank (eingetragene Genossenschaft) serving private customers, small businesses, and agriculture in the Bütthard and Gaukönigshofen area of Lower Franconia. It offers standard retail banking products including current accounts, savings and term deposits, consumer and mortgage loans, and business financing, with investment and insurance services provided through the cooperative financial network (e.g., Union Investment funds, R+V Insurance, building savings via Schwäbisch Hall, and real estate or commercial lending partners within the DZ Bank group). Payment services cover SEPA transfers, standing orders, and direct debits, with girocard debit cards and commonly offered Mastercard or Visa credit cards; contactless and mobile wallet compatibility depends on the card and issuer arrangements. Access is provided through local branches, self-service terminals and ATMs connected to the nationwide cooperative network, online banking, and a mobile app with two-factor authentication; chip-and-TAN or app-based TAN procedures are typically available. Fees follow published price and service schedules and usually vary by account model and channel, with paper-based transactions often priced higher than digital transactions. As a cooperative, customers can become members by acquiring shares, with member rights governed by the bank’s statutes and any dividend contingent on annual results. The bank is subject to oversight by BaFin and the Deutsche Bundesbank, and deposits are covered up to 100,000 euros per depositor under the statutory scheme, supplemented by the institutional protection system of the National Association of German Cooperative Banks (BVR), which is designed to prevent member bank insolvency. Users should review the latest tariff sheets, product terms, cut-off times, and identification requirements for account opening and lending, as conditions and availability can change.