Raiffeisenbank Griesstätt - Halfing eG products, services and reviews

About Raiffeisenbank Griesstätt - Halfing eG

Raiffeisenbank Griesstätt–Halfing eG is a regional cooperative bank in Upper Bavaria and part of the Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken). It operates a small local branch network with a focus on retail clients, small businesses, and agriculture in its market area, and offers current accounts, savings products, residential real estate financing, consumer loans, SME lending, payment services, and basic cash management. Investment funds, securities brokerage, building society contracts, and insurance are typically provided via group partners such as Union Investment, DZ BANK-related entities, Bausparkasse Schwäbisch Hall, and R+V Versicherung. Card products include girocard and internationally usable credit/debit cards issued through the cooperative network, with cash withdrawals available at ATMs in the BankCard ServiceNetz. Online and mobile banking are provided on the group’s standard platforms with PSD2-compliant two-factor authentication, e-statements, and secure messaging. Deposits fall under the institutional protection scheme of the BVR (BVR Institutssicherung GmbH) and the additional voluntary BVR Sicherungseinrichtung; the statutory deposit guarantee of up to 100,000 euros per depositor applies. As a member-owned cooperative, customers can acquire shares and vote at the general meeting; any dividend on shares depends on annual results and member resolutions. The balance sheet structure reflects a locally concentrated loan book funded primarily by customer deposits, with interest rate and regional concentration risks typical for small cooperative banks. Product breadth is narrower than at large national institutions, and capital markets, insurance, and payments acquiring solutions are largely intermediated to group partners. Branch hours, advisory capacity, and new-customer onboarding are oriented to the defined regional market, which may limit availability for customers outside the area.