MARKERS = [
    ("vr", ["Volksbank", "Raiffeisenbank", "VR-Bank", "VR Bank"]),
    ("hvb", ["HypoVereinsbank", "UniCredit", "Unicredit", "HYVEDEMM"]),
    ("dkb", ["Deutsche Kreditbank", "DKB"]),
]


def detect_bank(text: str) -> str | None:
    for bank, needles in MARKERS:
        if any(n in text for n in needles):
            return bank
    return None