Caisse régionale de crédit agricole mutuel Normandie-Seine

Caisse régionale de crédit agricole mutuel Normandie-Seine is the regional mutual bank of the Crédit Agricole group serving the Eure and Seine-Maritime departments in Normandy. Organized as a cooperative, customers can become sociétaires by holding mutual shares, with governance exercised through local caisses and a regional board. The bank distributes retail and small-business services including current accounts and payment cards, regulated and taxable savings (such as Livret A, LDDS, PEL/CEL), term accounts, life insurance and investment products via group entities, as well as consumer loans, home loans, equipment finance and lines of credit for professionals, farmers and SMEs. It also markets home, auto and personal protection insurance under group brands and provides payments, merchant acquiring and remote collection solutions. Access is through a network of branches and ATMs in its territory, online banking and a mobile app with strong customer authentication under PSD2. Pricing is set in a public tariff schedule required by French regulation; account maintenance, card packages, transfers and incident fees vary by product and customer profile. Account opening requires standard KYC documents (identity, address, income) and may be subject to residency and risk checks. Deposits are covered by the French deposit guarantee scheme (FGDR) up to the statutory limits per depositor; the institution is supervised by the ACPR and, for investment services, the AMF. SEPA and international transfers, foreign exchange and cash management are available with conditions and costs disclosed in the tariff. A complaints process and an independent mediation channel are provided in line with national rules.