Volksbank im Wesertal eG products, services and reviews

About Volksbank im Wesertal eG

Volksbank im Wesertal eG is a regional cooperative bank (eingetragene Genossenschaft) operating in Germany’s Weser valley area and belonging to the Cooperative Financial Network of Volksbanken Raiffeisenbanken. As a local universal bank, it typically serves private, business, and agricultural customers with current accounts, savings and term deposits, payment cards, SEPA payments, consumer and mortgage lending, and basic corporate finance, with investment, building society savings, leasing, and insurance products usually arranged through network partners. Access is via a small local branch footprint, telephone service, and online and mobile banking; two-factor authentication methods such as app-based TAN procedures and card-reader/chipTAN are commonly used, and identification is handled through standard in-branch or permitted digital processes where available. Customers can withdraw cash at the cooperative network’s nationwide ATM infrastructure, while pricing for accounts, cards, transfers, and cash services follows the bank’s published Preis- und Leistungsverzeichnis; monthly account-keeping fees and charges for certain services should be expected and vary by account model and usage. As a cooperative, clients may become members by subscribing to shares, gaining voting rights at the annual general meeting and the possibility of a dividend subject to business results and resolution; membership is not required for all services. Deposits are protected up to the statutory limit per depositor under German law via the cooperative sector’s scheme, and the institutional protection system of the cooperative network aims to safeguard member institutions. The bank is subject to supervision by BaFin and the Deutsche Bundesbank. Given its regional focus, the service range is broad for everyday banking, while specialized or international offerings are typically provided through affiliated partners rather than in-house.