Caisse régionale de crédit agricole mutuel Charente-Périgord (Crédit agricole Charente-Périgord) products, services and reviews

About Caisse régionale de crédit agricole mutuel Charente-Périgord (Crédit agricole Charente-Périgord)

Caisse régionale de crédit agricole mutuel Charente-Périgord is the Crédit Agricole regional cooperative serving the Charente and Dordogne areas, operating under a mutual model in which customers can become members by holding cooperative shares. It offers standard French retail banking and insurance services for individuals, professionals, farmers, and SMEs: current accounts, domestic and SEPA payments (including instant transfers where available), cheques, Visa/Mastercard debit and credit cards, consumer and home loans subject to credit assessment and borrower insurance, overdraft facilities, regulated savings (Livret A, LDDS, PEL/CEL, Livret Jeune), life insurance and investments (including access to group funds via Amundi), property and casualty coverage, and business services such as cash management, POS acquiring, and equipment financing via group subsidiaries. Access is via local branches and digital channels (website and the Crédit Agricole mobile apps with SécuriPass strong customer authentication), with secure messaging, document upload, and e-signature for many processes; mobile wallets like Apple Pay, Google Pay, and Paylib may be supported depending on card and device. Pricing follows the annually published fee schedule; national offers marketed by Crédit Agricole (such as basic packages for budget control or youth travel accounts) may be available, but eligibility and conditions are set locally. Accounts typically require standard KYC documents and, in practice, local residency or ties; product availability and lending decisions depend on regulatory and risk criteria. Deposits are protected up to the statutory limit by the FGDR, while insurance contracts are covered by their own schemes. Complaint handling follows French rules with escalation to an independent médiateur. Information, tariffs, and legal notices are provided on the caisse’s website and in-branch.