BANCA DI RIPATRANSONE E DEL FERMANO - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BANCA DI RIPATRANSONE E DEL FERMANO - CREDITO COOPERATIVO - SOCIETA' COOPERATIVA is a local cooperative bank operating primarily in the Marche region, serving households, small businesses, and the agri‑food sector across communities around Ripatransone and Fermo. As a BCC, it is owned by its members (soci) under a one‑member‑one‑vote model and operates within the national cooperative banking framework introduced by Italy’s BCC reform, which includes an institutional protection scheme across the group. The bank offers standard retail and SME services: current and savings accounts, payment services (SEPA transfers, standing orders, F24, pagoPA), debit and credit cards, ATM and POS solutions, and online and mobile banking via group platforms with strong customer authentication under PSD2. Lending covers personal loans, overdrafts, home mortgages (fixed and variable), and business credit (working‑capital lines, medium‑long term loans), with leasing, factoring, and subsidized or guarantee‑backed financing available through specialized group providers and public schemes such as the Fondo di Garanzia per le PMI or ISMEA where applicable. Investment and protection products are distributed via cooperative network partners, including funds, portfolio solutions, pension products, and life/non‑life insurance; cards issued within the network typically support major digital wallets. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; investor protection follows the Fondo Nazionale di Garanzia where relevant. The bank is subject to Italian and EU banking supervision (Banca d’Italia/ECB) and publishes product disclosures and fee schedules (foglio informativo) as required by law. Account conditions, lending criteria, and product availability can vary by customer profile, branch, and membership status, and the bank’s physical footprint remains concentrated in its home area, with remote channels covering out‑of‑area needs.