Bank Spółdzielczy w Łomży

Bank Spółdzielczy w Łomży is a regional cooperative bank based in Łomża operating under Polish Banking Law and Cooperative Law, supervised by the Komisja Nadzoru Finansowego and participating in the statutory deposit guarantee scheme of the Bankowy Fundusz Gwarancyjny (coverage up to the PLN equivalent of EUR 100,000 per depositor). The bank serves retail clients, farmers, micro and small businesses, and local institutions, offering current and savings accounts, term deposits, consumer and mortgage-secured lending, working capital and investment loans, and payment cards, along with internet and mobile banking and standard cash services at branches. It provides domestic transfers via national clearing systems and supports foreign transfers; business customers can access settlement services and POS acquiring through partner arrangements. Tariffs, fees, and interest rates are published in the bank’s schedule and vary by product, account package, and service channel. Account opening and most credit processes require documented identity and income or financial statements, typically completed in-branch, with due diligence and AML/KYC procedures applied. The bank’s footprint is local, with service concentrated in Łomża and nearby municipalities; access to ATMs and certain digital features depends on network and provider arrangements and can involve limits or fees. As with other cooperative banks, product scope and remote service options are narrower than at nationwide commercial banks, and conditions are subject to periodic updates.