Bank Spółdzielczy w Wilamowicach

Bank Spółdzielczy w Wilamowicach is a Polish cooperative bank that serves customers in Wilamowice and the surrounding area, focusing on day-to-day retail and small-business banking. As a cooperative, it operates under member-based governance; clients can use services without becoming members, while members hold cooperative shares and voting rights under the bank’s statute. Cooperative shares are capital instruments and are not covered by deposit insurance. The bank offers standard products typical for the sector, including current and savings accounts, term deposits, payment cards, domestic payments, and credit for individuals, farmers, and enterprises. It is licensed and supervised by the Polish Financial Supervision Authority (KNF), and eligible deposits are protected by the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of 100,000 EUR per depositor, per bank, according to statutory rules. Access is provided via branches and remote channels; the exact scope of online and mobile functionality, payment options, and ATM availability depends on the specific account and card package. Pricing, interest rates, limits, and service conditions are defined in the Tariff of Fees and Commissions, Interest Tables, and Product Regulations, which the bank publishes and updates; loan costs typically reflect market reference rates plus a margin and include statutory disclosures on APRC and early repayment. The local footprint means some processes may require a branch visit and the product range may be narrower than at nationwide institutions. Prospective customers should review the current tariff, interest tables, product regulations, and security information before opening accounts or applying for credit.