VR Bank Mittlerer Neckar eG products, services and reviews

About VR Bank Mittlerer Neckar eG

VR Bank Mittlerer Neckar eG is a German cooperative bank serving the Mittelneckar region in Baden‑Württemberg and belongs to the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its product range covers retail and SME banking, including current accounts, savings and term deposits, payment cards (girocard and debit/credit cards from the cooperative network), online banking and the VR BankingApp with strong customer authentication, as well as consumer loans, mortgages, construction financing, and corporate lending and leasing via group partners. Securities brokerage and funds are provided through the cooperative network (e.g., DZ BANK/Union Investment), building society products via Bausparkasse Schwäbisch Hall, insurance via R+V Versicherung, and merchant acquiring and POS/e‑commerce solutions via VR Payment. Business services include cash management, EBICS and corporate online banking, payroll and SEPA services, and trade and documentary payments as offered within the network. Access is via a regional branch and self‑service network, with cash availability at ATMs of the Volksbanken Raiffeisenbanken BankCard ServiceNetz; fees and limits depend on the chosen account model and the bank’s price and service list. As an eingetragene Genossenschaft, customers may acquire cooperative shares subject to eligibility and limits; membership confers voting rights on a one‑member‑one‑vote basis and any dividend is discretionary. Deposits are protected by the institutional protection scheme of the BVR (BVR Institutssicherung) and the additional voluntary scheme of the cooperative group; statutory coverage up to 100,000 euros per depositor applies, with details set out in the bank’s deposit guarantee information. Service channels include branch appointments, telephone support, online contact, and video advisory; complaints can be escalated to the BVR ombudsman. The bank focuses on regional clients; product availability, pricing, and interest conditions are subject to change and are published by the bank.