BANCA DI CREDITO COOPERATIVO DELLE MADONIE - SOCIETA' COOPERATIVA

Banca di Credito Cooperativo delle Madonie – Società Cooperativa is a regional cooperative bank serving the Madonie area of Sicily, with a focus on households, artisans, agribusiness, and local small and medium-sized enterprises. It operates under Italian banking law as a member-owned institution (soci) with one-member-one-vote governance and is supervised within the European framework, with the Bank of Italy as the primary authority for less significant institutions and the European Central Bank providing oversight. The bank offers standard retail and SME services, including current and savings accounts, time deposits, domestic and SEPA payments, debit and credit cards, ATM/Bancomat access, mortgages, consumer credit, and business lending; it also distributes investment and insurance products through sector partnerships. Digital channels typically cover account monitoring, transfers, card management, and notifications, with strong customer authentication consistent with PSD2; the availability of specific features, card circuits, and mobile wallets can vary by product. Deposits are protected up to EUR 100,000 per depositor under the Italian deposit guarantee scheme for cooperative credit banks (Fondo di Garanzia dei Depositanti del Credito Cooperativo), consistent with EU Directive 2014/49/EU. Pricing, eligibility, and documentation depend on the customer profile and product type, and the bank publishes information sheets (fogli informativi), fee schedules, and pre-contractual documents as required by regulation; terms may change over time. As a small, territorially focused institution, it may offer a narrower range of advanced treasury, capital markets, or international services than larger commercial banks, and public credit ratings are generally not available; regulatory reports and financial statements are published periodically for transparency. Service is primarily in Italian across branches and remote channels.