CASSA RAIFFEISEN ETSCHTAL SOCIETA' COOPERATIVA (IN LINGUA TEDESCA RAIFFEISENKASSE ETSCHTAL GENOSSENSCHAFT)

CASSA RAIFFEISEN ETSCHTAL SOCIETA’ COOPERATIVA (in lingua tedesca Raiffeisenkasse Etschtal Genossenschaft) is a cooperative credit institution based in South Tyrol, Italy, operating in the Adige Valley with bilingual Italian-German customer service. As part of the Raiffeisen network in South Tyrol, it focuses on retail and small-business banking, offering current accounts, savings and term deposits, domestic and cross-border SEPA payments, debit cards (PagoBANCOMAT) and international cards (e.g., Visa/Mastercard), mortgages, consumer credit, lending to professionals and SMEs, and agricultural finance. Investment and savings solutions are provided under MiFID II rules through the placement of financial products and basic order transmission, and insurance coverage is distributed via bancassurance partners; leasing and other specialized financing may be available through affiliated companies. Access is provided through local branches and ATMs, online and mobile banking with strong customer authentication under PSD2, and support for SEPA credit transfers, direct debits, and, where enabled, instant payments. The bank operates under Italian and EU prudential, conduct, and AML regulations, supervised within the national framework by the Bank of Italy, with deposits protected up to 100,000 euros per depositor according to the statutory Italian deposit guarantee system. As a cooperative, customers may apply for membership by subscribing cooperative shares; governance follows the one-member-one-vote principle and rights and any distributions are defined by the statutes and financial results, while basic banking services are generally accessible without membership. Account opening is subject to KYC and documentation requirements (such as identification, tax code, and, for businesses, corporate papers). Pricing, interest rates, and product availability are set by the institution and can vary by customer profile and channel; official schedules of terms and conditions and regulatory disclosures are published by the bank and should be consulted before use.