Raiffeisenbank Essenbach eG products, services and reviews

About Raiffeisenbank Essenbach eG

Raiffeisenbank Essenbach eG is a regional cooperative bank based in Essenbach, Bavaria, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. As a member-owned institution, it offers membership shares with voting rights under German cooperative law and is supervised by BaFin and the Deutsche Bundesbank. The bank provides retail and small-business banking centered on current accounts, savings and term deposits, consumer and mortgage lending, and financing for local companies and agricultural clients. Investment and insurance products are typically distributed through group partners such as Union Investment and R+V Versicherung, and building-savings contracts are available via Schwäbisch Hall. Payment services include SEPA transfers, standing orders, domestic and cross-border payments within applicable networks, and debit and credit cards; mobile wallets such as Apple Pay and Google Pay may be supported depending on card type. Digital banking is available through online and mobile channels with two-factor authentication, while onboarding and identification are handled in-branch or via remote procedures where offered. Customers have access to the nationwide BankCard ServiceNetz of cooperative ATMs. Deposit protection is provided by the BVR Institutssicherung and the additional voluntary protection scheme of the cooperative group. Pricing generally follows account packages with monthly fees and transaction-related charges; lending terms, overdraft rates, and investment costs vary by product and creditworthiness. Advisory is offered by appointment, and credit decisions are made locally within group standards. Product availability, conditions, and service hours can differ by branch, and all terms are subject to change.