BANCA DI CREDITO COOPERATIVO APPULO LUCANA - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO APPULO LUCANA - SOCIETA' COOPERATIVA is an Italian cooperative credit institution operating primarily in Apulia and Basilicata, providing retail and SME banking through branches and digital channels. As a member-owned “banca di credito cooperativo,” governance follows the one-member-one-vote principle and some products or conditions may be linked to cooperative membership and share subscriptions set out in the statute. The product range typically includes current accounts, savings and time deposits, payment services (SEPA credit transfers and direct debits, pagoPA and F24, and, where enabled, instant transfers), debit and credit cards on major international circuits with domestic BANCOMAT/PagoBANCOMAT access, and support for digital wallets when available from the issuing partner. Lending covers personal loans, mortgages with fixed or variable rates (with access to state-backed guarantees where applicable), and financing for businesses and the third sector; ancillary offerings such as insurance, asset management, leasing, and factoring are generally provided through distribution agreements. Online and mobile banking support routine operations, notifications, and strong customer authentication under PSD2; service availability, limits, and cut-off times are defined in the contractual documentation. Pricing and interest conditions follow Italian transparency rules, with Fogli Informativi and Documenti di Sintesi detailing fees for accounts, cards, transfers, cash withdrawals, and other services; charges may differ between in-network and out-of-network usage. Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the bank is supervised by the Bank of Italy, with investment services subject to CONSOB oversight. The cooperative model and regional footprint imply a local orientation and a branch-centric approach; product availability, onboarding options, and digital features can vary by location and customer profile, making it advisable to review the latest price lists, eligibility criteria, and any constraints linked to membership before opening an account or applying for credit.