Raiffeisenbank Heroldsbach eG products, services and reviews

About Raiffeisenbank Heroldsbach eG

Raiffeisenbank Heroldsbach eG is a regional cooperative bank based in Heroldsbach, Bavaria, operating within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken and serving private and corporate clients in its local market. The bank offers standard retail and small-business services, including current accounts with online and branch access, girocard and optional credit cards, SEPA transfers, cash services, and access to the nationwide BankCard ServiceNetz of ATMs; savings products such as instant-access savings and term deposits; consumer loans and overdrafts; residential mortgage financing; business lending and working-capital facilities; point-of-sale and merchant services; building-society savings; investment custody and fund distribution via group partners; and insurance brokerage. Digital channels include browser-based online banking, a mobile app, electronic statements, and secure messaging; functionality and availability of third-party wallets and contactless payments depend on card type and agreements with the cooperative group’s providers. Pricing is set by account package and service usage, with monthly account fees, card fees, and transaction charges common in the German market; interest rates and lending terms follow market conditions and individual credit assessments, typically with Schufa checks. As a cooperative, customers can usually acquire member shares that confer voting rights and potential dividend distributions, subject to the bank’s statutes; membership is not required for all products. Raiffeisenbank Heroldsbach eG is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR institutional protection scheme recognized as a deposit guarantee system, which covers eligible deposits up to 100,000 EUR per depositor; an additional institutional protection mechanism within the group aims to stabilize member institutions. The bank focuses on its defined regional area, so branch access is local and some services outside the cooperative network may incur fees; cross-border capabilities are generally limited to standard SEPA payments and common foreign-transfer options provided through group arrangements. Product details, eligibility criteria, and fees are set out in the bank’s Preis- und Leistungsverzeichnis and related disclosures, which should be reviewed before account opening or loan applications.