BANCA DI ANCONA E FALCONARA MARITTIMA CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

Banca di Ancona e Falconara Marittima Credito Cooperativo – Società Cooperativa is an Italian cooperative bank serving households, professionals, and small businesses in and around the province of Ancona, with a branch-based model complemented by online and mobile banking. As a credito cooperativo, it is owned by its members under a one-member-one-vote governance structure and operates under Italian and EU banking regulations, supervised by Banca d’Italia within the European regulatory framework. The bank offers standard retail and SME services including current and savings accounts, domestic and SEPA payments, debit cards on the Bancomat/PagoBANCOMAT circuit and international circuits via group partners, credit cards, personal and business loans, mortgages, POS and e-commerce acquiring, insurance distribution, and simple investment products such as government bonds and mutual funds distributed through affiliated platforms. Fees and interest rates follow published tariff schedules and vary by product, channel, and customer profile; account packages may have monthly maintenance fees, card issuance/renewal fees, and standard charges for transfers or cash operations, while lending typically entails origination costs and variable or fixed rates indexed to benchmark rates with additional spreads. Deposits are protected up to €100,000 per depositor per bank in line with EU rules via the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and payment services are subject to PSD2 strong customer authentication. Account opening generally requires valid identification, Italian tax code, and completion of anti–money laundering checks; services for non-residents or foreign tax residents are available at the bank’s discretion and may require additional documentation. Credit decisions are made using standard underwriting and regulatory criteria, and customers can access precontractual documents, key information sheets, and Pillar 3 disclosures for transparency on costs and risks. The bank’s local footprint and cooperative structure orient its activity toward the surrounding community, but product availability, pricing, digital feature depth, and branch coverage should be verified directly with the bank, as conditions can change and may differ by customer segment.