Orzesko-Knurowski Bank Spółdzielczy z siedzibą w Knurowie

Orzesko-Knurowski Bank Spółdzielczy z siedzibą w Knurowie is a Polish cooperative bank headquartered in Knurów that serves customers in Knurów, Orzesze and nearby Silesian localities. It operates in the member-owned spółdzielczy model: clients may acquire cooperative shares and exercise voting rights, while standard banking products are available under the same regulatory framework to clients who are not members. The bank provides retail and business banking in PLN, including current accounts, savings accounts and term deposits, domestic transfers (standing orders and direct debits), branch cash services, and payment cards with 3D Secure for online purchases, alongside internet and mobile banking secured with PSD2 strong customer authentication. The lending offer covers consumer and housing loans, current-account overdrafts, and financing for micro and small enterprises and agriculture, with collateralized structures where required and decisions handled locally. Pricing is set out in published fee schedules; account maintenance, transfers, ATM withdrawals, cash operations, and card issuance and maintenance are charged according to the selected account package and channel, with any promotional conditions defined in separate regulations. The bank operates under Polish law, is supervised by the Komisja Nadzoru Finansowego, and participates in the Bankowy Fundusz Gwarancyjny deposit guarantee scheme covering the equivalent of up to EUR 100,000 per depositor per bank; the product catalog, scope of foreign transfers and currency services, and geographic reach reflect the profile of a regional cooperative institution.