Raiffeisenbank Parkstetten eG products, services and reviews

About Raiffeisenbank Parkstetten eG

Raiffeisenbank Parkstetten eG is a locally focused cooperative bank based in Parkstetten, Bavaria, operating within the Volksbanken Raiffeisenbanken network with DZ BANK as its central institution. It offers standard retail and small-business services including current accounts with tiered maintenance fees, savings and term deposits, overdrafts, consumer loans, and residential mortgages; for enterprises and farms in the Straubing-Bogen area it provides working-capital and investment financing, with access to public development programs such as KfW and, where applicable, LfA Förderbank Bayern. Cash services are handled through branches and the nationwide cooperative ATM network, while payments cover SEPA transfers (including standing orders), card payments, and foreign transfers; charges apply according to the published price schedule, and withdrawals at non-network ATMs or card use abroad typically incur fees. Digital banking is provided via browser and the VR Banking app with PSD2- compliant strong customer authentication (e.g., SecureGo plus app or chipTAN generator); corporate clients can use EBICS. Card offerings generally include girocard and debit/credit products from Mastercard or Visa, with mobile wallet support available for eligible cards. Investment and securities services are available with custody accounts and access to funds and brokerage solutions provided through the cooperative group (e.g., Union Investment, VR-ProfiBroker), and insurance is distributed via R+V Versicherung; advisory and securities business are subject to MiFID II and German WpHG requirements. The bank is supervised by BaFin and the Deutsche Bundesbank; deposits are protected up to 100,000 EUR per depositor under the statutory scheme and the bank participates in the BVR Institutssicherung (institutional protection system) of the cooperative sector. As a member-owned institution (eingetragene Genossenschaft), customers can subscribe for membership shares and exercise one-member-one-vote rights; dividends on shares depend on earnings and member resolutions. The balance-sheet profile is typical for a small regional lender, with interest-rate risk in the banking book and credit exposure concentrated in local households, SMEs, real estate, and agriculture; product manufacturing, liquidity management, and payments processing leverage the broader cooperative network. Potential clients should review the current price schedule and product terms, including account packages, card fees, brokerage and custody charges, and early repayment costs on loans.