Raiffeisenbank Maitis eG products, services and reviews

About Raiffeisenbank Maitis eG

Raiffeisenbank Maitis eG is a German cooperative bank (eingetragene Genossenschaft) within the Volksbanken Raiffeisenbanken network, focused on retail and small-business banking in its local area. It offers standard current accounts for private and corporate customers with package-based pricing set out in its Preis- und Leistungsverzeichnis, including charges for account maintenance, cards, paper-based orders and certain cash services; youth or basic accounts are typically available subject to eligibility. Payment services include SEPA credit transfers and direct debits, standing orders and card payments; a girocard debit card is standard and credit cards are issued in cooperation with partners in the cooperative financial network; cash withdrawals are available at ATMs in the cooperative ServiceNet. Online and mobile banking are provided via the web portal and the VR Banking app with strong customer authentication (e.g., SecureGo plus or chipTAN), and electronic statements are available; branch-based advisory is offered during posted opening hours, often by appointment. Savings and investment options cover call and term deposits, savings plans, securities custody and brokerage, and investment funds distributed with Union Investment and other network entities; building society savings contracts are typically arranged with Bausparkasse Schwäbisch Hall. Lending products include overdrafts, consumer loans, residential mortgages and financing for small enterprises, with access to subsidised programmes (e.g., KfW) routed through the bank; leasing and factoring solutions are commonly provided via specialist cooperative partners. Insurance and pension products are brokered primarily through R+V Versicherung. As a cooperative, customers may become members by subscribing shares; each member generally has one vote at the general meeting, and profit appropriation (including any dividend on shares) follows the approved annual financial statements and statutes. Deposits are protected up to 100,000 EUR per depositor by the legally recognised BVR Institutssicherung GmbH, and the sector’s institutional protection scheme aims to prevent member bank insolvency and provides protection beyond the statutory minimum. The bank is supervised by BaFin and the Deutsche Bundesbank, complies with PSD2 and MiFID II requirements, and participates in the BVR ombudsman scheme for out-of-court dispute resolution; details on products, risks, costs and complaint channels are set out in the bank’s pre-contractual disclosures and public fee schedule.