Raiffeisenbank Obermain Nord eG products, services and reviews

About Raiffeisenbank Obermain Nord eG

Raiffeisenbank Obermain Nord eG is a German cooperative bank (eingetragene Genossenschaft) serving retail customers, the self-employed, and small to mid-sized businesses in the Obermain region of Bavaria as part of the Volksbanken Raiffeisenbanken network. The bank provides current and savings accounts, payment services, cards (girocard and credit cards), consumer and mortgage lending, and commercial financing, along with brokerage and investment funds via cooperative partners (e.g., DZ BANK Group/Union Investment), building society savings and home finance via Bausparkasse Schwäbisch Hall, insurance solutions via R+V Versicherung, and merchant services. Access is offered through local branches and self-service terminals, online banking, and a mobile app, and customers can use the cooperative BankCard ServiceNetz for cash withdrawals; specific features, limits, and fees depend on the chosen account and card. As a cooperative, customers can become members by subscribing to shares, with voting rights in the general meeting and oversight by a supervisory board; any member distribution is subject to annual approval. Deposits are covered by the German statutory deposit guarantee up to 100,000 EUR per depositor, and the bank also belongs to the institutional protection scheme of the BVR, which aims to prevent member bank insolvency. The institution is subject to prudential supervision by BaFin and the Deutsche Bundesbank. Account opening and lending decisions follow standard identification, creditworthiness, and documentation requirements, and pricing and rates vary by product and customer profile.