Raiffeisenbank Heilsbronn-Windsbach eG products, services and reviews

About Raiffeisenbank Heilsbronn-Windsbach eG

Raiffeisenbank Heilsbronn-Windsbach eG is a regional cooperative bank in Middle Franconia (Bavaria) serving customers in and around Heilsbronn and Windsbach. As an eG, it is owned by member-customers who can acquire cooperative shares and vote at the general meeting; any dividend on shares depends on annual results and corporate policy. The bank offers standard retail and SME services, including current accounts, savings, consumer and mortgage lending, and business financing, along with securities and investment solutions via cooperative group partners such as Union Investment, building society products via Bausparkasse Schwäbisch Hall, and insurance from R+V Versicherung. Payments coverage typically includes girocard and credit cards (Mastercard/Visa) issued through the cooperative network, SEPA transfers, and merchant acquiring via VR Payment. Cash access is provided through the BankCard ServiceNetz of Volksbanken Raiffeisenbanken; deposits and withdrawals at own machines are usually supported, while third-party ATM use may incur fees. Digital banking is available through the VR Banking App and online banking with PSD2-compliant strong customer authentication (e.g., SecureGo plus or chipTAN); card payments use 3D Secure. Pricing follows a published schedule of prices and services, with account packages and card fees varying by usage; business accounts are priced separately. Statutory deposit protection up to 100,000 EUR per depositor is provided by BVR Institutssicherung GmbH; the additional BVR Sicherungseinrichtung functions as an institutional protection scheme without a customer legal claim. The bank is part of the Genossenschaftliche FinanzGruppe and is supervised by BaFin and the Deutsche Bundesbank. Account opening and advisory are available in-branch; remote onboarding and digital advisory options may be offered depending on product. Prospective customers should review the current price list, availability of instant transfers, card options, branch hours, and any membership requirements before opening an account.