Caisse régionale de crédit agricole mutuel du Languedoc

Caisse régionale de Crédit Agricole Mutuel du Languedoc is the Crédit Agricole regional mutual bank serving the Languedoc area of France (notably Hérault, Gard, Aude and Lozère), operating a local branch and ATM network from its headquarters in Lattes (Hérault). As a cooperative, it is owned by its sociétaires and organized around local caisses locales, while being part of the wider Crédit Agricole Group. It provides standard retail and professional banking services, including current accounts, regulated and unregulated savings (e.g., Livret A, LDDS, PEL/CEL), payment cards on the CB network co-badged with international schemes, domestic and international transfers (SEPA/SWIFT), consumer credit, mortgages, and cash management, with sector support for agriculture and viticulture typical of the region; it also distributes insurance (life and personal protection via group entities, and property/casualty), savings and investment products (notably via Amundi), equipment finance and leasing, and real estate services through group channels such as Square Habitat. Digital access is provided through online banking and the Crédit Agricole mobile app with strong customer authentication via SécuriPass, and compatibility with common mobile wallets for contactless payments; secure messaging, appointment booking and remote onboarding are available subject to KYC/AML controls. Pricing is structured around à‑la‑carte fees and packaged offers used across the group (such as Compte à Composer, Eko or youth/expat formulas), with card pricing by tier, account maintenance charges, incident and overdraft fees subject to French regulatory caps, and differences by customer profile and channel (online vs in‑branch); fee schedules are published by the regional bank. Business and professional clients have access to dedicated advisors and specialized centers for SMEs, farmers, self‑employed professionals and local authorities, with treasury, financing and risk‑management solutions available through group subsidiaries. The institution is supervised by the ACPR and adheres to PSD2/strong‑authentication standards; deposits are covered by the French deposit guarantee scheme (FGDR) up to statutory limits per depositor and per institution, and insurance policies by the relevant industry guarantee fund. It publishes annual financial and non‑financial disclosures at the regional level and contributes to group reporting; service availability, eligibility for products, and specific features can vary by customer status and are subject to local terms and regulatory requirements.