CASSA RAIFFEISEN DI TESIMO SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE TISENS GENOSSENSCHAFT)

Cassa Raiffeisen di Tesimo Società Cooperativa (Raiffeisenkasse Tisens Genossenschaft) is a local cooperative bank based in Tesimo/Tisens, South Tyrol, operating under Italian banking law as a member-owned institution with one-member-one-vote governance. It focuses on retail and small-business services in its catchment area, providing current and savings accounts, payment services and cards, online and mobile banking, mortgages and consumer credit, SME and agricultural lending, and the distribution of investment and insurance products through authorized channels. The bank forms part of the Raiffeisen cooperative network in South Tyrol, which supplies shared services and internal support arrangements; oversight is carried out within the European Banking Union framework, with supervision for less significant institutions exercised by Banca d’Italia. Deposits are protected up to EUR 100,000 per depositor under the applicable Italian deposit guarantee scheme in line with EU rules. Governance is exercised by a board elected by members, subject to statutory audit, with regulatory disclosures (pricing “fogli informativi,” MiFID documentation, and annual/Pillar 3 reports) published as required. Services are typically offered in Italian and German; pricing depends on the account package and usage, with fees applied to operations such as SEPA transfers, cash services, and card transactions according to the bank’s tariff schedules. Digital channels cover routine needs (balances, payments, statements), while certain products may require branch-based onboarding or advisory due to identification and suitability rules. The cooperative model entails a regional business focus, membership rules for shareholding and patronage, and potential exposure to local sector dynamics; availability for non-local or non-member clients can vary by product. Prospective customers should review current tariffs, deposit and lending rates, and contractual conditions, and verify practical aspects such as branch access, ATM coverage, language support, and online functionality.