Bank Spółdzielczy w Chojnie

Bank Spółdzielczy w Chojnie is a Polish cooperative bank based in Chojna (West Pomeranian Voivodeship) operating under the Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank serves local households, farmers, and micro, small and medium-sized enterprises, offering current and savings accounts, term deposits, domestic transfers through the Elixir system, foreign transfers including SEPA, payment cards for cashless transactions and ATM withdrawals, and standard cash services at branches. Lending covers consumer cash loans, housing/mortgage financing, overdrafts, and working-capital and investment loans for businesses and agriculture, subject to credit assessment and collateral requirements. Internet banking is available for individuals and firms, with access secured in line with PSD2 strong customer authentication; data processing follows applicable Polish and EU regulations. As a cooperative institution, customers may use services without membership, while members hold cooperative shares and exercise one-person-one-vote governance rights in the general meeting. The branch footprint is regional and oriented to the local market, which can limit product breadth and specialized services compared with nationwide commercial banks. Fees, commissions, and interest conditions are set by the bank’s tariff and interest tables and are published at branches and online; they vary by account type, channel, and client segment. Complaint handling follows statutory timelines, with customers able to escalate disputes to the Polish Financial Ombudsman if needed.