Bank Spółdzielczy w Kożuchowie

Bank Spółdzielczy w Kożuchowie is a Polish cooperative bank based in Kożuchów that operates a regional branch footprint and serves households and local businesses. As a cooperative, it is owned by members under Polish cooperative banking law, with governance exercised through member participation and cooperative share contributions. The bank offers standard retail and small-business services such as PLN current and savings accounts, domestic transfers, standing orders, debit cards, and lending products subject to credit assessment and collateral requirements where applicable. Digital access is provided through internet and mobile banking with strong customer authentication and 3‑D Secure for card payments, and customer service is available in branch and remotely. Fees and interest conditions are set out in the bank’s tariff and interest schedule, with loan pricing reflecting a margin over market benchmarks as specified in contracts; early repayment, prepayment, and other charges follow applicable Polish consumer and banking regulations. Deposits are protected by the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of EUR 100,000 per depositor, and the institution operates under the oversight of the Komisja Nadzoru Finansowego (KNF) and applicable EU rules including PSD2 and GDPR. Identity verification, anti‑money‑laundering controls, and know‑your‑customer procedures apply to new and existing clients, and some products or limit changes can require in‑person verification depending on risk and regulatory requirements.