Raiffeisenbank im Fuldaer Land eG products, services and reviews

About Raiffeisenbank im Fuldaer Land eG

Raiffeisenbank im Fuldaer Land eG is a German cooperative bank serving private and corporate clients in the Fulda area of Hesse. As an eingetragene Genossenschaft, customers can become members by acquiring cooperative shares, gaining voting rights in the members’ assembly; distributions on shares are not guaranteed and may be subject to notice periods and other conditions. The bank provides current accounts, savings and term deposits, consumer and mortgage lending, payments and cash services, and corporate financing for SMEs and agricultural clients; securities, building-savings, insurance, and leasing are commonly delivered via the Volksbanken Raiffeisenbanken network partners such as Union Investment, Bausparkasse Schwäbisch Hall, R+V Versicherung, DZ BANK Group, VR Smart Finanz, and TeamBank (easyCredit). Digital banking is available through the cooperative IT platform with two-factor authentication (e.g., VR SecureGo plus); contactless and card payments are supported, and cash access is possible via the BankCard ServiceNetz of cooperative ATMs. Deposits are covered by the institutional protection scheme of the cooperative sector (BVR Institutssicherung GmbH), which meets the EU Deposit Guarantee Scheme Directive threshold of up to 100,000 euros per depositor; a separate voluntary protection scheme of the BVR exists with its own rules. The bank is subject to supervision by BaFin and the Deutsche Bundesbank. Pricing generally follows package-based account models with service fees; specific conditions, interest rates, and credit decisions depend on individual assessments and can change. The model suits customers seeking local relationship banking with access to the cooperative financial network, while potential constraints include a geographically limited branch footprint, fee levels that may be higher than online-only providers, and reliance on network partners for certain investment, insurance, and specialized services. Prospective clients should review the current schedule of prices and services (Preis- und Leistungsverzeichnis), membership terms for cooperative shares, and product risk disclosures before entering into any agreement.