ROMAGNABANCA CREDITO COOPERATIVO ROMAGNA EST E SALA DI CESENATICO S.C. products, services and reviews

About ROMAGNABANCA CREDITO COOPERATIVO ROMAGNA EST E SALA DI CESENATICO S.C.

ROMAGNABANCA Credito Cooperativo Romagna Est e Sala di Cesenatico S.C. is an Italian cooperative bank operating in the Romagna area, formed from the integration of the former BCC Romagna Est and BCC Sala di Cesenatico. As a società cooperativa, it follows the one-member-one-vote model and combines member-focused governance with retail and SME banking. Its activity is centered on households, artisans, small and mid-sized enterprises, and local associations, offering current and savings accounts, time deposits, payment services (including PagoBANCOMAT/SEPA), debit and credit cards, mortgages, personal and business loans, and support for working capital and investments; leasing, factoring, and POS/e-commerce acquiring are typically provided via group partners. Investment and savings products are placed under MiFID II rules, with advisory where applicable, and bancassurance solutions cover life and non-life needs under IVASS oversight. Digital channels include online and mobile banking for everyday operations, though account opening and lending are often handled in-branch; remote onboarding availability depends on internal policies. The bank operates under Bank of Italy supervision and, in line with the BCC sector reform, adheres to a cooperative banking group that provides centralized services, risk controls, and an institutional protection scheme; deposits are covered up to €100,000 per depositor by the Fondo di Garanzia dei Depositanti del Credito Cooperativo. Pricing, rates, and conditions are defined locally and disclosed in the Fogli Informativi and key information documents; eligibility, identification, and anti–money laundering checks apply, and acquiring member status requires subscribing cooperative shares. The branch-based footprint suits clients active in Romagna; those needing nationwide coverage or specialized corporate services should verify capabilities and service levels in advance.