Raiffeisenbank Holzkirchen-Otterfing eG products, services and reviews

About Raiffeisenbank Holzkirchen-Otterfing eG

Raiffeisenbank Holzkirchen-Otterfing eG is a regional German cooperative bank (eingetragene Genossenschaft) serving private and business clients in and around Holzkirchen and Otterfing in Upper Bavaria. As part of the Volksbanken Raiffeisenbanken cooperative financial network with DZ BANK as the central institution, it provides current accounts, savings and term deposits, consumer and mortgage financing, payment services, and cards, and distributes investment, insurance, and building-society products via network partners such as Union Investment, R+V Versicherung, and Bausparkasse Schwäbisch Hall; merchant services for businesses are typically offered through VR Payment and related group providers. Customers can usually become cooperative members by acquiring shares, which confer voting rights and may entitle holders to a dividend if approved by the members’ meeting; specific conditions are set locally. Account packages generally involve monthly maintenance fees and charging models based on included services and transaction volumes, detailed in the bank’s schedule of prices and services (Preis- und Leistungsverzeichnis). Access to cash and basic services is provided through local branches and ATMs and the nationwide Volksbanken Raiffeisenbanken network; digital channels include PSD2-compliant online banking, two-factor authorization, and a mobile app with app-based TAN procedures, alongside support for common contactless and mobile payment options where available. Deposits are protected by the institutional protection scheme of the National Association of German Cooperative Banks (BVR), comprising BVR Institutssicherung GmbH for statutory coverage up to EUR 100,000 per depositor and an additional voluntary protection scheme; the bank is supervised by BaFin and Deutsche Bundesbank. The operating model emphasizes regional focus and network-based product distribution; international capabilities cover standard SEPA and SWIFT transfers, while pricing and service scope reflect a locally operated cooperative framework. Terms, fees, and product availability are subject to change and may vary by customer segment.