BANCA DI CREDITO COOPERATIVO DI PUTIGNANO - SOCIETA' COOPERATIVA PER AZIONI

Banca di Credito Cooperativo di Putignano – Società Cooperativa per Azioni is a local mutual bank based in Putignano (Apulia) operating primarily within its home territory. Organized as a cooperative company by shares, it is owned by member-shareholders and applies the one-member-one-vote principle; governance follows Italian banking law with oversight by corporate bodies and statutory auditors. Under the Italian cooperative credit reform it is part of the Gruppo Bancario Cooperativo Iccrea, which provides centralized risk management, liquidity and capital coordination, shared technology, and an institutional protection scheme, while the bank remains a distinct legal entity. The product set covers retail and SME banking: current and payment accounts, savings and term deposits, personal and business loans, mortgages, agricultural credit lines, debit and credit cards on major circuits, POS and merchant acquiring, SEPA transfers and direct debits, bill and tax payments (including F24), and access to leasing, factoring, insurance and investment products through group platforms and partners. Distribution combines branches located in the local area, ATMs on the BANCOMAT network, and online/mobile banking provided via the group’s channels; remote onboarding and digital signatures are used where permitted. Pricing varies by account package and channel and is disclosed in the Fogli Informativi and standardized fee information documents required by transparency rules. Deposits are protected up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo; supervision is exercised under the Single Supervisory Mechanism through the Bank of Italy and, at group level, the ECB. The model centers on local intermediation for households, professionals, small businesses and the third sector, with a branch-centric footprint and reliance on group infrastructure for specialized services and advanced digital features. Prospective clients should review product scope, branch accessibility, digital functionality and fee schedules against their needs and examine contractual documentation before opening accounts or applying for credit.