VR-Bank Mittelfranken Mitte eG products, services and reviews

About VR-Bank Mittelfranken Mitte eG

VR-Bank Mittelfranken Mitte eG is a German cooperative bank serving private and business customers in the Middle Franconia region. As part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it operates under German banking regulation and participates in the statutory deposit guarantee up to 100,000 EUR per depositor as well as the cooperative institutional protection scheme. The bank offers current accounts with tiered pricing models, savings and term deposits, payment cards (girocard and credit cards from Mastercard or Visa), mobile wallet support for eligible cards, overdraft facilities, consumer loans, mortgages, and corporate financing including support for public development programs where applicable. Securities custody and brokerage, investment funds, and wealth-related services are available via group partners such as Union Investment and DZ BANK; insurance is distributed through R+V Versicherung, and building society savings/home financing solutions are provided via Bausparkasse Schwäbisch Hall. Access is available through regional branches and ATMs within the cooperative network, online banking, and the VR BankingApp, with strong customer authentication via app-based TAN or TAN generator in line with PSD2 requirements; business clients can use standard interfaces for bulk and professional payments. Pricing, interest rates, and service conditions are set out in the bank’s Preis- und Leistungsverzeichnis and product documentation, with fees varying by account model and channel; paper-based transactions and out-of-network withdrawals may incur charges. As a cooperative, customers can become members by purchasing shares and receive voting rights in the members’ assembly; eligibility for products and services may be subject to regional or risk-related criteria.