BANCA DI CREDITO COOPERATIVO DI ABRUZZI E MOLISE - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Abruzzi e Molise – Società Cooperativa is an Italian mutual bank that operates primarily across the Abruzzo and Molise regions, organized under the cooperative model and oriented to retail clients, professionals, SMEs, agribusiness and the third sector within its local catchment area. Its core services typically include current and savings accounts, domestic and cross-border SEPA payments, cards on national (PagoBANCOMAT/Bancomat) and international circuits, internet and mobile banking with strong customer authentication under PSD2, mortgages and consumer credit, and financing solutions for small businesses; as is common among cooperative banks, it also distributes investment and insurance products in line with MiFID II and IDD rules. Pricing, interest rates and conditions are set out in the Foglio Informativo and Documento di Sintesi required by Italian transparency regulations, and vary by account type and customer profile. Governance follows the cooperative “one member, one vote” principle: customers who become members subscribe shares and participate in the general assembly, while profit allocation is largely directed to statutory reserves and mutual purposes. In line with the national reform of the sector, BCCs operate within a cooperative banking group under a cohesion contract with centralized risk controls and a cross-guarantee mechanism; the bank’s specific affiliation and related safeguards are disclosed in its corporate documentation. Deposits are protected up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and complaints can be escalated to the Arbitro Bancario Finanziario if not resolved through internal channels. Access is provided through a regional branch and ATM network connected to the national Bancomat system, with digital channels available for remote operations; international transfers are executed via SWIFT through correspondent banks and are subject to fees and cut-off times. Customers should review the official fee schedules, key information documents and pre-contractual disclosures before subscribing to products or applying for credit, and verify membership conditions and share redemption rules if seeking to become a socio.