Raiffeisenbank Ebrachgrund eG products, services and reviews

About Raiffeisenbank Ebrachgrund eG

Raiffeisenbank Ebrachgrund eG is a regional cooperative bank in Bavaria serving private customers, small businesses, and agriculture in its local area. Its portfolio typically includes current accounts, savings and term deposits, payment services and cards, online and mobile banking, consumer loans, mortgages, and business financing; securities, insurance, and building society products are offered via partners in the cooperative financial network. Accounts generally carry monthly maintenance fees with additional charges for services such as withdrawals at third‑party ATMs or paper statements; current price lists are published by the bank. Cash access is available through the nationwide Volksbanken Raiffeisenbanken ATM network, with fees possible outside it. Digital banking supports PSD2‑compliant two‑factor authentication (for example via TAN app or chipTAN) and standard functions like transfers, standing orders, and card controls; contactless and mobile payments are available depending on the issued card and device. As a cooperative (eG), customers can apply to become members by subscribing for shares, gaining voting rights at the general meeting and the possibility of a dividend subject to annual results and resolution; cooperative shares are not deposits, are not covered by deposit insurance, and are subject to notice periods and other terms. Deposits are protected up to 100,000 euros per depositor under the statutory scheme operated for cooperative banks (BVR Institutssicherung); the sector’s institutional protection scheme is designed to prevent member bank insolvency. The bank operates a small local branch presence with advisory appointments and self‑service terminals; opening hours are limited compared with large nationwide providers. Business clients can access payments, liquidity management, lending, and risk coverage, often delivered with partners from the cooperative group; agricultural financing is typically part of the offering in line with the region. Account opening requires standard identification under German AML rules and can be completed in branch, and in many cases online. Rates, fees, and conditions vary by product and are updated periodically, so prospective customers should review the current documentation on the bank’s website or on request in branch.