Bank Spółdzielczy w Narwi

Bank Spółdzielczy w Narwi is a Polish cooperative bank headquartered in Narew that serves households, micro and small businesses, farmers, and local institutions in its home area through a modest branch footprint. The bank offers standard retail and business services: PLN current and savings accounts, term deposits, cash services, domestic and foreign transfers, debit cards with contactless functionality, and lending products such as consumer loans, mortgages, car and consolidation loans, as well as working-capital and investment financing, including solutions tailored to agricultural activity. Accounts can be managed in-branch and via online and mobile channels that use multi-factor authentication aligned with PSD2 requirements. As a cooperative, customers may become members by subscribing cooperative shares; governance is exercised by a general meeting of members, a supervisory board, and a management board, and fees and interest rates are set locally and published in the bank’s schedule of charges and interest tables. The bank is supervised by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego) and participates in the statutory deposit guarantee scheme operated by the Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny), which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per bank. Credit decisions are based on documented income and creditworthiness, with collateral, guarantees, or insurance required depending on the product; business and agricultural borrowers can expect requests for financial statements or farm documentation. Operations are focused on the local market, so branch coverage and selected product parameters may be limited outside the bank’s catchment area, and detailed terms and limits are defined in the bank’s regulations and individual agreements.