BANCA DI CREDITO COOPERATIVO DI MONTEPAONE SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Montepaone Società Cooperativa is an Italian cooperative credit institution based in Montepaone (Province of Catanzaro, Calabria). It operates within the Gruppo Bancario Cooperativo Iccrea under a cohesion contract and group support mechanisms, and is subject to prudential supervision by the Bank of Italy and, at group level, by the European Central Bank. The bank focuses on retail and small-business banking in its local catchment area, offering current and deposit accounts, payment services (including SEPA transfers and, where available, instant payments), debit and credit cards issued through the group’s payment infrastructure, ATM access on domestic and international circuits, consumer and SME loans, mortgages, guarantees, POS and e‑commerce acquiring, and digital banking via the RelaxBanking platform. Investment and insurance products are distributed under group arrangements, subject to applicable MiFID II and IDD rules. Deposits are protected within the limits set by law by the Fondo di Garanzia dei Depositanti del Credito Cooperativo. As a cooperative, membership is open to customer‑shareholders (soci) with one‑member‑one‑vote governance, and operations are aligned to the mutualistic and territorial principles defined in Italy’s cooperative banking framework. Fees, rates, and eligibility criteria are specified in the bank’s transparency documents (fogli informativi) and may vary by product; credit is granted subject to assessment and guarantees. Cross‑border services and correspondent banking are provided through group infrastructure where available, and access can depend on customer profile and regulatory requirements.