Volksbank Geest eG products, services and reviews

About Volksbank Geest eG

Volksbank Geest eG is a regional cooperative bank in Germany affiliated with the Volksbanken Raiffeisenbanken network, focusing on retail and small to mid-sized business banking in its local market. Its portfolio generally covers current accounts, savings and term deposits, consumer loans, residential mortgages, business accounts and lending, payments, and securities custody and brokerage; insurance and investment solutions are typically offered via group partners such as R+V Versicherung, Union Investment, and Bausparkasse Schwäbisch Hall, with capital markets services supported by DZ BANK/DZ PRIVATBANK. Access is through branches and digital channels, including online banking and a mobile app, with customer identification handled through standard methods such as VideoIdent or PostIdent where available. Payment services include SEPA credit transfers and direct debits, girocard and internationally branded debit and credit cards, and cash access through the cooperative BankCard ServiceNetz; support for instant payments and mobile wallets should be verified for the specific account and device. Security follows PSD2 strong customer authentication with TAN-based procedures and 3-D Secure for card transactions. As a cooperative, customers can become members by subscribing for shares, with voting rights under the one-member-one-vote principle; dividends on cooperative shares depend on annual results and are not guaranteed, and shares may be subject to holding periods and notice terms. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung (statutory deposit protection up to 100,000 euros per depositor) as well as the additional protection scheme of the National Association of German Cooperative Banks. Fees, interest rates, and conditions are set out in the price and service schedule and depend on product selection and eligibility.