Raiffeisenbank Chamer Land eG products, services and reviews

About Raiffeisenbank Chamer Land eG

Raiffeisenbank Chamer Land eG is a German cooperative bank serving private and business customers in the Cham district of Bavaria. Organized as a registered cooperative, it is owned by members who can subscribe to cooperative shares and exercise voting rights in the general assembly; any dividend on shares is subject to annual results and resolutions. The bank is part of the Volksbanken Raiffeisenbanken cooperative financial network and distributes products from network partners, including DZ BANK (capital markets and custody services), Union Investment (funds and savings plans), R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (building society savings and financing), VR Payment (merchant acquiring and POS), and VR Smart Finanz/leasing partners (SME financing). The product lineup typically includes current accounts, savings products, consumer loans, overdrafts, mortgages and construction financing, securities custody and brokerage, debit and credit cards, and payment services for merchants; for companies, it offers business accounts, liquidity management, lending, and acceptance solutions. Access is provided via local branches and self-service terminals, the shared BankCard ServiceNetz for ATM withdrawals within the cooperative network, online banking, and the VR Banking App with PSD2-compliant strong customer authentication (e.g., VR SecureGo plus or chipTAN). Pricing follows the published Preis- und Leistungsverzeichnis; account models generally carry monthly maintenance fees, with additional charges depending on transaction volume, card type, and use of non-network services. Deposits are covered by the BVR Institutssicherung (a legally recognized deposit guarantee scheme) up to 100,000 EUR per depositor, and the cooperative financial network also maintains a separate institutional protection scheme designed to avert insolvency. The institution is supervised by BaFin and the Deutsche Bundesbank, is regularly audited by the regional cooperative association, and relies on industry-standard IT and data protection frameworks. The regional focus supports local lending and advisory but limits physical reach outside its home market; many investment, insurance, and payment services are provided via affiliated network companies under separate terms.