BANCA DI CREDITO COOPERATIVO DI MARINA DI GINOSA - SOCIETA' COOPERATIVA

BANCA DI CREDITO COOPERATIVO DI MARINA DI GINOSA - SOCIETA’ COOPERATIVA is a local mutual bank based in Marina di Ginosa (Apulia) that operates within Italy’s cooperative credit sector, focusing on retail and small-business banking in its home area and nearby municipalities. As a società cooperativa, ownership is held by members (soci) under a one-member-one-vote model, and certain products or conditions may be reserved for or influenced by membership status and the subscription of cooperative shares. The bank’s offering is typical of a BCC: current and savings accounts, term deposits, domestic and SEPA payments, debit cards on the Bancomat/PagoBANCOMAT circuit, international cards (e.g., Mastercard/Visa) issued through sector arrangements, point-of-sale and acquiring services, internet and mobile banking, and credit lines that include personal loans, mortgages, and financing for SMEs, agriculture, and local organizations. Activity is primarily territorial, with a compact branch footprint and service delivery oriented to households, artisans, traders, and small enterprises, while investment and insurance products—where available—are usually distributed through group or third-party partnerships. The institution is supervised under Italian and EU banking rules (including prudential, conduct, and AML/CTF requirements) and operates within the post-2019 framework that centralizes certain risk, capital, and compliance functions for cooperative credit banks. Eligible deposits are protected up to 100,000 euro per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, in line with EU deposit guarantee standards. Pricing, interest rates, and eligibility conditions vary by product and customer profile, and the bank’s limited geographic scope should be considered by clients seeking nationwide coverage or specialized corporate or investment services.