BANCA DI CREDITO COOPERATIVO AGRIGENTINO - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO AGRIGENTINO - SOCIETA' COOPERATIVA is a local cooperative bank based in the Province of Agrigento (Sicily) and operates within Italy’s cooperative credit system. It focuses on retail and small-business banking, offering current and savings accounts, cards, domestic and SEPA payments, online and mobile banking, consumer and mortgage lending, SME financing, POS and acquiring, and bancassurance distributed via partners. As a mutual cooperative, ownership is held by member-shareholders under a one-member-one-vote principle; becoming a member typically requires subscribing cooperative shares, which are not deposits and are not covered by deposit guarantee schemes. The bank is subject to prudential, conduct, and anti–money laundering supervision by the Bank of Italy within the European Single Supervisory framework at group level, applies CRR/CRD capital standards, and must comply with Italian transparency rules on fees and terms (including pre-contractual information sheets and complaint procedures). Deposits are protected up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo in line with EU directives; its cooperative banking group also maintains an institutional protection scheme designed to support the stability of affiliated institutions. Operations and lending are oriented to households, professionals, and micro and small enterprises in its catchment area, with a branch footprint concentrated locally and access to nationwide ATM/POS circuits and SEPA transfers; pricing, product features, risk controls, and core IT are generally standardized at group level, while credit underwriting reflects local knowledge within group risk policies. Prospective clients should review the bank’s fee schedules and interest rates, confirm branch and digital channel coverage for their needs, and assess the terms, liquidity, and withdrawal conditions of any cooperative share subscription separately from deposit products.