Bank Spółdzielczy w Kolnie

Bank Spółdzielczy w Kolnie is a Polish cooperative bank headquartered in Kolno (Podlaskie), operating locally for retail customers, farmers and small businesses. Its core offer covers personal and business current accounts, savings accounts and term deposits, domestic payments (Elixir clearing, standing orders, direct debits), payment cards, cash services and access to electronic banking for everyday transactions. Credit products include account overdrafts, cash loans, housing loans and financing for enterprises and agricultural producers (working-capital and investment loans), with decisions based on standard creditworthiness assessment and documentation. The bank is supervised by Komisja Nadzoru Finansowego and participates in the Bankowy Fundusz Gwarancyjny deposit guarantee scheme up to the equivalent of EUR 100,000 per depositor; it applies PSD2-compliant strong customer authentication in electronic channels. Domestic transfers are cleared through KIR’s Elixir system and interbank settlements are routed via National Bank of Poland systems; international transfers may be handled through correspondent banking where available. Fees, limits and interest rates are set out in the bank’s Taryfa opłat i prowizji and Tabela oprocentowania, and detailed terms are defined in product regulations provided to customers. As a cooperative institution, it is owned by its members and governed by statutory bodies elected locally, and its branch network and service area are centered on Kolno and nearby municipalities.