BANCA DI CREDITO COOPERATIVO DI PIANFEI E ROCCA DE' BALDI - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI PIANFEI E ROCCA DE' BALDI - SOCIETA' COOPERATIVA is an Italian mutual cooperative bank serving Pianfei, Rocca de’ Baldi and the surrounding Cuneo area in Piedmont, operating with a local member-based governance model (one member, one vote). The bank provides standard retail and small business services, including current and savings accounts, term deposits, domestic and cross-border SEPA transfers, and debit cards on the Bancomat/PagoBANCOMAT circuit co-badged with an international network; credit and prepaid cards are typically issued through group arrangements. Cash access is via the national BANCOMAT ATM network. Digital channels include online and mobile banking aligned with PSD2 strong customer authentication; functionality generally covers payments, transfers, statements, and card controls, while availability of SEPA Instant and mobile wallets should be verified for the specific account. Lending products comprise mortgages, personal loans, and credit lines for households and SMEs; leasing, factoring, and agricultural finance may be available through group or partner companies. Investment and insurance distribution follow standard Italian frameworks, with MiFID II suitability/appropriateness checks for investment services and bancassurance for life and non-life policies. The bank is supervised by Banca d’Italia (and by CONSOB for investment services) and participates in the Italian deposit guarantee scheme for cooperative banks, which protects eligible deposits up to €100,000 per depositor per bank in line with EU rules; an institutional protection scheme tied to its cooperative banking group may provide additional support mechanisms as disclosed in its public documents. Fees, rates, and conditions are detailed in the Fogli Informativi and Documento di Sintesi, and commonly include account maintenance, transfer charges, card fees, and off-network ATM costs; mortgage pricing reflects benchmark rates plus a spread. Account opening typically requires a valid ID, codice fiscale, proof of residence, and standard anti–money laundering checks; complaints can be escalated to the Arbitro Bancario Finanziario if not resolved internally.