Bank Spółdzielczy w Żurominie

Bank Spółdzielczy w Żurominie is a Polish cooperative bank headquartered in Żuromin (Mazowieckie), operating primarily in its local region through a modest branch footprint and remote channels. As a cooperative, it is owned by members and governed under Polish Cooperative Law and Banking Law, supervised by the Polish Financial Supervision Authority (KNF) and subject to PSD2 and AML regulations. Deposits are covered by the Bank Guarantee Fund (BFG) up to the equivalent of 100,000 EUR per depositor per institution. The bank’s product set typically includes PLN current and savings accounts, term deposits, domestic payments (ELIXIR transfers, standing orders, direct debits), cash services, and payment cards issued on common international schemes, alongside online banking with two-factor authentication and 3D Secure for card transactions. Lending activity spans consumer cash loans, overdrafts, housing loans secured by real estate, and working-capital and investment financing for small businesses, farms, and local institutions, with credit decisions based on documented creditworthiness and collateral where applicable. Pricing is defined in publicly available fee schedules and interest rate tables; deposit and loan rates may be fixed or variable according to product terms and market benchmarks, and variable-rate exposures reflect National Bank of Poland policy changes. Account opening and lending require standard identification and KYC documentation; business clients provide registry and tax details. Complaints are processed under statutory deadlines, with written responses generally issued within 30 days (extendable to 60 days in complex cases after notification). Service scope, channel features, and branch hours vary by location, and current terms, tariffs, and limits are set by the bank and are subject to change.