PRIMACASSA - CREDITO COOPERATIVO FVG - SOCIETA' COOPERATIVA

PRIMACASSA - CREDITO COOPERATIVO FVG - SOCIETA’ COOPERATIVA is a local cooperative bank operating in Friuli Venezia Giulia, focused on retail and SME banking consistent with the Italian BCC model. As a cooperative, it admits members who subscribe shares and exercise voting rights on a one-member-one-vote basis; membership policies, share subscription, potential remuneration and redemption rules are defined by statute and regulatory constraints. The bank’s product set typically includes current accounts, payment cards, savings and time-deposit solutions, consumer credit, mortgages, and financing for small businesses and agriculture, with ancillary services such as insurance distribution offered via partners; pricing, fees and conditions are detailed in fogli informativi and pre-contractual documentation. Accounts use IBANs and support SEPA payments; cash access and payments generally rely on domestic circuits (e.g., Bancomat/PagoBancomat) and international schemes for debit/credit cards where applicable. Digital channels usually cover online and mobile banking with PSD2-compliant strong customer authentication; availability of features such as instant payments, card tokenization, and remote onboarding depends on the bank’s channel rollout and group infrastructure. In line with Italy’s cooperative credit reform, the bank operates within a national cooperative banking group framework that provides oversight and shared services; prudential supervision involves the Bank of Italy and the European Central Bank for significant matters. Deposits are protected up to €100,000 per depositor per bank under the EU-harmonized deposit guarantee scheme applicable to cooperative credit banks. Customers should review account canone, transfer and ATM charges (especially extra-network withdrawals), card issuance and maintenance fees, foreign transaction costs, and statutory stamp duty on applicable balances. Lending terms typically reference Euribor or IRS benchmarks and include upfront costs such as istruttoria and perizia; collateral and insurance requirements may apply. Complaints follow the bank’s internal process and, if unresolved, can be escalated to the Arbitro Bancario Finanziario.