BANCA DI CREDITO COOPERATIVO DI CAPACCIO PAESTUM E SERINO- SOCIETA' COOPERATIVA products, services and reviews

About BANCA DI CREDITO COOPERATIVO DI CAPACCIO PAESTUM E SERINO- SOCIETA' COOPERATIVA

Banca di Credito Cooperativo di Capaccio Paestum e Serino – Società Cooperativa is an Italian mutual bank operating primarily in Campania, with a branch network serving the areas around Capaccio Paestum (Salerno) and Serino (Avellino). Formed through the combination of the former BCCs of Capaccio Paestum and Serino, it operates under the cooperative model, where customers can also become members by subscribing cooperative shares and participate in governance on a one-member-one-vote basis; these shares are distinct from deposits, can be illiquid, and are not covered by deposit insurance. The bank focuses on retail and small-business banking, offering current and savings accounts, domestic and SEPA payments, cards on the Bancomat/PagoBANCOMAT and international circuits, online and mobile banking, ATM access, point-of-sale and e-commerce acquiring, and financing such as mortgages, personal loans, and credit lines for SMEs and professionals; it also distributes investment and insurance products through group and partner arrangements. It is part of the Gruppo Bancario Cooperativo Iccrea, which subjects it to consolidated risk management and prudential oversight; supervision follows Italian and EU rules under the Bank of Italy and the European Central Bank at the group level. Deposits are protected up to EUR 100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo, and the sector’s institutional protection scheme operates alongside to support stability. Pricing, eligibility, and documentation follow Italian transparency and anti–money laundering requirements (e.g., identity and tax code for individuals; corporate documentation for businesses), with precontractual information sheets and key investor documents provided where applicable; fees and rates vary by product and are detailed in the bank’s Fogli Informativi. Digital channels typically include strong customer authentication and open-banking interfaces in line with PSD2, with SEPA instant payments available where supported. Complaints can be filed through the bank’s “reclami” process and, if unresolved, may be escalated to the Arbitro Bancario Finanziario. Availability of specific services, conditions for membership, and any preferential terms for members can differ by branch and product line.