BANCA DI CREDITO COOPERATIVO 'G. TONIOLO' DI SAN CATALDO (CALTANISSETTA) SOCIETA' COOPERATIVA

Banca di Credito Cooperativo “G. Toniolo” di San Cataldo (Caltanissetta) Società Cooperativa is a local cooperative bank operating under Italian BCC legislation, serving retail clients, small businesses, and the agricultural sector with standard services such as current and savings accounts, payment cards, mortgages, personal and business loans, POS and payment services, and internet/mobile banking. As a cooperative, it applies the “one member, one vote” principle; customers may apply to become members by subscribing cooperative shares, which are separate from deposits, are not covered by deposit guarantee schemes, and can be illiquid and subject to loss. Deposits are protected up to 100,000 euro per depositor per bank by the relevant BCC depositor guarantee scheme, in line with Italian and EU rules. The bank operates within the national Cooperative Banking Group framework required by law and is subject to prudential supervision under the European Single Supervisory Mechanism, with day-to-day oversight by the Bank of Italy for less significant institutions. Standard Italian payment rails (SEPA credit transfers and direct debits) are supported, and cards typically operate on domestic and international circuits; fees, interest rates, and eligibility criteria vary by product and customer profile. Pre-contractual information sheets, transparency documentation, and annual financial statements are published as required by regulation; customers can use the bank’s internal complaints process and, if needed, the Arbitro Bancario Finanziario. Prospective clients should review the latest terms, costs, and conditions, including any constraints on withdrawals or minimum balances, before opening accounts or subscribing cooperative shares.