CASSA RURALE ED ARTIGIANA DI BOVES - BANCA DI CREDITO COOPERATIVO (BOVES-CUNEO) - SOCIETA' COOPERATIVA

Cassa Rurale ed Artigiana di Boves – Banca di Credito Cooperativo (Boves–Cuneo) – Società Cooperativa is a local cooperative bank operating in the province of Cuneo with a retail and small-business focus. As a Banca di Credito Cooperativo, it follows the mutualistic cooperative model, with member-shareholders holding one vote each regardless of capital held, and governance typically exercised by a board elected by members; customers are not required to be members to use banking services, but membership is needed to exercise shareholder rights. The bank’s offering generally covers current and savings accounts, payment cards and POS services, domestic and SEPA transfers, consumer and mortgage lending, SME credit lines and guarantees, and online and mobile banking; investment and insurance products are usually distributed through partner providers under MiFID II rules, and payment services operate under PSD2. Account opening and credit approval are subject to KYC/AML checks, proof of identity and tax code, and income documentation; availability for non-residents or clients outside the core catchment area may be limited. Pricing, interest rates, and eligibility criteria are set by the bank and may vary by branch or customer profile, with standard fees for account maintenance, cards, transfers, and early repayment where applicable. As with other BCC institutions, deposits are covered up to 100,000 euro per depositor per bank by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the bank participates in the sector’s institutional protection framework; it is supervised under Italian and EU banking regulations, including prudential requirements. The operating profile is that of a small regional lender with concentrated geographic exposure and credit primarily to households and local enterprises, with service delivery through a limited physical network supported by digital channels; prospective clients should verify up-to-date conditions, documentation needs, and product availability directly with the bank before applying.