BANCA ALPI MARITTIME CREDITO COOPERATIVO CARRU' - SOCIETA' COOPERATIVA PER AZIONI

BANCA ALPI MARITTIME CREDITO COOPERATIVO CARRU’ – SOCIETA’ COOPERATIVA PER AZIONI is an Italian cooperative credit institution based in Carrù (Cuneo, Piedmont) operating under the national cooperative banking framework. It concentrates on retail and small-business banking in its regional footprint, offering current accounts, savings and time deposits, mortgages and consumer loans, SME credit lines, agribusiness financing, and corporate services such as POS acquiring, leasing and factoring through group partnerships. The bank distributes payment services (SEPA transfers, domestic instruments including pagoPA), issues payment cards via partners, and provides online and mobile banking alongside a branch and ATM network. Governance follows the “soci” (member) model typical of BCCs, with membership tied to shareholding and local roots; pricing and lending terms are determined case by case within group policies. Following the sector reform, it is part of a cooperative banking group with centralized risk, capital and audit functions and an institutional protection scheme; deposits are covered by the Italian Deposit Guarantee Scheme up to 100,000 euro per depositor. The operating model remains branch-centric compared with large national banks; availability of full remote onboarding and advanced digital features can be more limited, while core day-to-day functionality is in place. The bank publishes statutory disclosures and transparency documents; prospective clients should review current fee schedules, interest rates and product conditions and consider the regional scope of services before opening an account.