Question 1

What is Volksbank Flein-Talheim?

Accepted Answer

Volksbank Flein-Talheim is a German cooperative bank (Genossenschaftsbank) owned by its members via shares, headquartered in Flein in the Heilbronn district of Baden-Württemberg, Germany. The bank operates as a universal bank providing retail and business banking services with a focus on individuals, small and medium-sized enterprises (SMEs), and local community development.

The bank serves approximately 11,000 customers and has 6,010 members, employing 52 staff members including 5 trainees. With a balance sheet of approximately 302.2 million EUR, the bank maintains a strong regional presence in the Heilbronn area.

Question 2

When was Volksbank Flein-Talheim founded?

Accepted Answer

The origins of Volksbank Flein-Talheim trace back to March 11, 1914, when the Darlehenskassenverein Horkheim eGmuH (Loan Association) was founded in Heilbronn-Horkheim. This institution was renamed Spar- und Darlehenskasse eGmuH on April 7, 1935, and later became Genossenschaftsbank Horkheim eGmbH on June 13, 1964.

The Darlehenskassenverein in Flein was founded on February 24, 1918, initially focusing on accepting deposits and providing credit for agricultural needs such as fertilizer and seeds. The Darlehenskassenverein in Talheim followed on April 21, 1918, later becoming Talheimer Bank eGmbH.

On January 1, 1970, Genossenschaftsbank Horkheim merged with Fleiner Bank eGmbH. The modern Volksbank Flein-Talheim eG was formed in 1992 through the merger of Talheimer Bank eG with Fleiner Bank eG. The bank celebrated its 75th anniversary in 1993.

Question 3

Where is Volksbank Flein-Talheim headquartered?

Accepted Answer

Volksbank Flein-Talheim is headquartered in Flein, a municipality in the Heilbronn district of Baden-Württemberg, Germany, at Heilbronner Straße 16, 74223 Flein. The bank is registered in the cooperative register at the Amtsgericht Stuttgart under registration number GnR 100002.

Question 4

Where does Volksbank Flein-Talheim operate?

Accepted Answer

Volksbank Flein-Talheim operates in the Heilbronn region of Baden-Württemberg, maintaining three branch locations. The main office (Hauptstelle) is located in Flein at Heilbronner Straße 16, with business offices (Geschäftsstellen) in Talheim and Heilbronn-Horkheim.

This network provides comprehensive banking coverage for the municipalities of Flein, Talheim, and the Horkheim district of Heilbronn, serving the local communities in this area north of Stuttgart.

Question 5

What services does Volksbank Flein-Talheim offer?

Accepted Answer

Volksbank Flein-Talheim offers comprehensive universal banking services for retail and business customers. Retail products include checking accounts (Girokonto), debit and credit cards from Mastercard, savings products (FestGeld/fixed-term deposits), demand deposit accounts, pension plans, consumer loans (easyCredit), car loans, mortgage loans, and travel health insurance.

The bank offers Gewinnsparen (lottery savings) combining savings, prize draws, and charitable contributions, as well as Wero instant payment services. Customers can also access GENO Energie electricity and gas tariffs with stable prices. The bank's loans to customers total approximately 188.2 million EUR, with customer deposits reaching 226.9 million EUR.

Business customers can access business accounts, business loans up to 100,000 EUR (Unternehmerkredit), international payment services, occupational pension schemes (betriebliche Altersvorsorge), and business succession planning. Digital banking services include online banking platforms, the VR-Banking mobile app, online brokerage services, and call center support.

Through the cooperative banking network, customers access products from partners including R+V Versicherung, Bausparkasse Schwäbisch Hall, Teambank, VR Leasing, DZ Hyp, Münchener Hypothekenbank, and Union Investment.

Question 6

What makes Volksbank Flein-Talheim unique?

Accepted Answer

As a member-owned cooperative operating under principles of self-help, self-responsibility, and self-administration inspired by Friedrich Wilhelm Raiffeisen and Hermann Schulze-Delitzsch, Volksbank Flein-Talheim follows the motto "Meine Bank gehört mir" (My bank belongs to me). Members have ownership stakes and participate in democratic governance through the representative assembly (Vertreterversammlung).

The bank demonstrates strong regional commitment by contributing approximately 30,000 EUR annually in donations to support cultural and social institutions, organizations, associations, kindergartens, and schools in the region. The bank also offers a member benefits booklet (Mitgliederscheckheft) with special events and promotions.

With membership in the BVR Institutssicherung GmbH deposit guarantee scheme, the bank provides enhanced depositor protection. The bank supports the international youth creative competition "jugend creativ" and publishes a customer newspaper (Voba aktuell) to keep members informed.

Question 7

What type of financial institution is Volksbank Flein-Talheim?

Accepted Answer

Volksbank Flein-Talheim is a Genossenschaftsbank (cooperative bank), a member-owned credit institution type common in Germany. As a cooperative, it is governed by the German Cooperative Act (Genossenschaftsgesetz) and the bank's statutes, operating with a management board (Vorstand), supervisory board (Aufsichtsrat), and representative assembly (Vertreterversammlung).

The bank is registered as a credit institution (CRDCREINS) with the European Banking Authority and is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht). It operates within the German Cooperative Financial Group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken) and is a member of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR), working with DZ Bank AG as its central institution.

Volksbank Flein-Talheim

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About Volksbank Flein-Talheim in Germany

Volksbank Flein-­Talheim