Raiffeisenbank Hengersberg- Schöllnach eG products, services and reviews

About Raiffeisenbank Hengersberg- Schöllnach eG

Raiffeisenbank Hengersberg-Schöllnach eG is a regional cooperative bank in Lower Bavaria serving retail clients, small businesses, self-employed professionals, and the agricultural sector with a mix of branch-based and digital services. As part of the Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken), it offers current accounts, savings and term deposits, consumer loans, mortgages and construction finance, payment services, and cards, and provides access to group partners for investments and insurance (e.g., Union Investment, R+V Versicherung, Schwäbisch Hall, DZ BANK). Business customers can expect basic cash management, POS solutions, financing for working capital and equipment, and links to leasing and factoring via the cooperative network. Digital banking is available via online banking and a mobile app with app-based TAN procedures; branch service and advisory remain central for complex products. Deposits are protected by the statutory German deposit guarantee up to 100,000 EUR per depositor through the cooperative scheme (BVR Institutssicherung) and by the BVR institutional protection system, which aims to avert insolvency. As a cooperative, clients can become members by purchasing shares, gaining voting rights and the possibility of a dividend subject to annual results and resolution; membership benefits and conditions are set locally. Fees and interest rates are defined in the bank’s price and service schedule and can vary by account model and usage; ATM cash withdrawals are generally free within the Volksbanken Raiffeisenbanken network, with charges possible outside it. The bank’s focus on its home region, local underwriting, and in-person advisory may suit customers near its branches, while those seeking nationwide reach, fully remote onboarding for all products, or the lowest-fee online accounts may find alternatives more suitable. Regulatory oversight is by BaFin and the Deutsche Bundesbank; financial statements are published in the German Federal Gazette.