Question 1

What is Raiffeisenbank Hengersberg-Schöllnach?

Accepted Answer

Raiffeisenbank Hengersberg-Schöllnach is a local cooperative bank serving the Lower Bavarian municipalities of Hengersberg, Schöllnach, and surrounding communities in Germany. As a member-owned Genossenschaftsbank within the Volksbanken Raiffeisenbanken cooperative network, it provides comprehensive financial services to individuals, businesses, and agricultural customers in this rural region of Bavaria.

The bank operates as an independent cooperative institution while benefiting from the resources and partnerships of the broader German cooperative banking system. It focuses on personalized service and deep community engagement in its service area.

Question 2

When was Raiffeisenbank Hengersberg-Schöllnach founded?

Accepted Answer

The bank received its authorization to operate on February 14, 2017, according to regulatory records. However, this date likely reflects a merger or reorganization of older local Raiffeisen banks that served these communities for decades prior.

The current entity represents the consolidation of cooperative banks that originally served Hengersberg and Schöllnach separately. These predecessor banks were part of the broader Raiffeisen cooperative movement that spread throughout Bavaria in the late 19th and early 20th centuries, bringing accessible banking services to rural farming communities.

Question 3

Where is Raiffeisenbank Hengersberg-Schöllnach headquartered?

Accepted Answer

The bank is headquartered in Hengersberg bei Deggendorf, Bavaria, Germany. The main office is located at Bahnhofstraße 20 in Hengersberg.

Question 4

Where does Raiffeisenbank Hengersberg-Schöllnach operate?

Accepted Answer

Raiffeisenbank Hengersberg-Schöllnach operates in the Lower Bavaria (Niederbayern) region, primarily serving the municipalities of Hengersberg, Schöllnach, Winzer, Iggensbach, and Niederalteich in the Deggendorf district.

The bank maintains full-service branches in Hengersberg (headquarters), Schöllnach, and Winzer, along with self-service facilities in Iggensbach and Niederalteich. This network ensures accessibility throughout the primarily rural service area located between Deggendorf and the Bavarian Forest.

Question 5

What services does Raiffeisenbank Hengersberg-Schöllnach offer?

Accepted Answer

The bank offers comprehensive banking services including:

Personal Banking: Current accounts (including the Online-Konto for digital users), debit and credit cards from Mastercard, savings accounts, time deposits, consumer loans, car loans, and mortgage financing.

Business Banking: Business accounts, commercial payment cards, business lending, and financing solutions for small and medium-sized enterprises.

Real Estate Services: Building financing (Baufinanzierung), real estate purchase financing, and construction loans for residential and commercial properties.

Investment Services: Trading accounts, securities brokerage, investment funds, and wealth management through Union Investment partnerships.

Insurance Services: Comprehensive insurance products for personal and business needs through partnerships with cooperative group insurers.

Digital Banking: VR Banking App for mobile banking, comprehensive online banking platform, and modern digital payment solutions available 24/7/365.

Special Programs: Vermögenswirksame Leistungen (employer-supported savings), youth banking programs, and retirement planning services.

All branches feature ATMs, account statement printers, PIN change facilities, coin deposit machines, banknote deposit machines, safe deposit boxes, and barrier-free access.

Question 6

What makes Raiffeisenbank Hengersberg-Schöllnach unique?

Accepted Answer

Community-Centered Banking: As a cooperative bank, members are co-owners who participate in governance through voting rights. The bank prioritizes local interests and reinvests profits back into the community rather than distributing them to distant shareholders.

Comprehensive Local Network: The bank maintains an extensive presence with three full-service branches and two self-service locations, ensuring accessibility throughout its rural service area. This commitment to physical presence distinguishes it from larger banks that have reduced branch networks.

Agricultural Heritage: Serving a predominantly agricultural region, the bank has deep expertise in financing farms, agricultural operations, and rural businesses, maintaining the Raiffeisen tradition of supporting farming communities.

Personalized Service Philosophy: The bank emphasizes "genossenschaftliche Beratung" (cooperative counseling), which prioritizes listening to customers first before providing advice, ensuring solutions are tailored to individual needs rather than product-driven sales.

Question 7

What type of financial institution is Raiffeisenbank Hengersberg-Schöllnach?

Accepted Answer

Raiffeisenbank Hengersberg-Schöllnach is a Genossenschaftsbank (cooperative bank), legally structured as an eingetragene Genossenschaft (eG). This legal form makes it a member-owned cooperative where customers can become co-owners through membership.

In Germany, cooperative banks form one of the three pillars of the banking system. They are characterized by democratic governance (one member, one vote), local autonomy in decision-making, and a mission to serve members and customers rather than external profit-seekers.

The bank is a member of the DZ Bank cooperative central organization and participates in the BVR Institutssicherung GmbH institutional protection scheme, which provides comprehensive deposit protection. It is regulated by BaFin (German Federal Financial Supervisory Authority) and the Deutsche Bundesbank under German and European banking law.

Raiffeisenbank Hengersberg-Schöllnach

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About Raiffeisenbank Hengersberg-Schöllnach in Germany

Raiffe­isenba­nk Henger­sberg-­Schöll­nach