BANCA DELLA VALSASSINA CREDITO COOPERATIVO - SOCIETA' COOPERATIVA

BANCA DELLA VALSASSINA CREDITO COOPERATIVO - SOCIETA' COOPERATIVA is an Italian cooperative credit institution serving the Valsassina area in Lombardy through a local branch footprint and focusing on households, professionals, and small businesses in its territory. As a cooperative, it has member-shareholders with one-vote governance; customers may subscribe cooperative shares to become members, and certain conditions can differ between members and non-members. The bank provides retail and SME services that typically include current and savings accounts, time deposits, debit, credit and prepaid cards, mortgages and consumer loans, business lending including support for agriculture, SEPA transfers and direct debits, international wires, POS and acquiring solutions, and distribution of investment and insurance products through group partnerships; investment services are delivered under MiFID II suitability and appropriateness rules. Digital channels comprise online and mobile banking for account management, transfers, bill payments, document access, and card controls, with strong customer authentication pursuant to PSD2; availability of remote onboarding and instant transfers depends on the specific product and channel. Pricing is defined by published tariff schedules per account package and service, with separate charges that may apply to cards, withdrawals on third-party ATMs, wire transfers, and merchant services; statutory Italian taxes and stamp duties apply where relevant. Deposits are covered by the Fondo di Garanzia dei Depositanti del Credito Cooperativo up to €100,000 per depositor per bank in line with EU rules, and the bank operates within a cooperative banking group subject to prudential supervision by the Bank of Italy and the European Central Bank. Operations are locally oriented, with in-branch processes for activities such as account opening, lending, and notarial formalities; service availability for non-residents and foreign-currency products is limited and handled case by case. Standard pre-contractual and transparency documents (Foglio Informativo, key information documents, and related disclosures) are provided as required by Italian regulation, and current conditions, fees, and branch hours are available via the bank’s official channels.