Bank Spółdzielczy w Obornikach Śląskich

Bank Spółdzielczy w Obornikach Śląskich is a Polish cooperative bank based in Oborniki Śląskie (Lower Silesia) that operates on a member-owned model and is supervised by the Polish Financial Supervision Authority (KNF); deposits are covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor under applicable law. The bank provides standard retail and business services, including current and savings accounts, term deposits, debit cards, and cash services at branches and ATMs, as well as consumer, housing-related, and enterprise financing (working capital and investment loans, including offers for farmers and local companies). Payments include domestic transfers in the Elixir system, standing orders, and direct debits; foreign transfers and SEPA are handled via correspondent arrangements, with fees and execution times set in the bank’s tariff. Digital channels comprise internet banking and a mobile channel for balance checks, transfers, and card management; strong customer authentication compliant with PSD2, one-time codes, and 3D Secure for online card payments are standard. The institution maintains a local branch footprint in its catchment area and provides service via phone and electronic channels during business hours. Pricing is defined in a published schedule of fees and commissions, covering account maintenance, transfers, cards, and cash operations; rates on deposits and loans are set in separate schedules and may be variable. Product availability, limits, and collateral requirements depend on individual assessment and regulatory KYC rules. Customers should review the current terms, fees, and interest tables on the bank’s website or at a branch, as conditions and digital functionalities can change.