Bank Spółdzielczy w Janowie Lubelskim

Bank Spółdzielczy w Janowie Lubelskim is a Polish cooperative bank headquartered in Janów Lubelski, operating under the Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of 100,000 EUR per depositor. It focuses on local retail clients, farmers, and micro and small businesses in its region. The product set normally spans PLN current accounts (ROR), savings accounts and term deposits, payment cards, domestic transfers via the Elixir system, SEPA transfers in euro, standing orders and direct debits, and lending such as overdrafts, consumer loans, mortgages, and working-capital or investment facilities for enterprises and agriculture; pricing and eligibility are defined in the bank’s tariff and credit rules. Access is provided through branches and remote channels (online banking and a mobile channel), with the exact scope of digital functions—such as instant payments, mobile wallets, or BLIK—dependent on the bank’s current service catalogue. Fees in cooperative banks are usually itemized across account maintenance, transfers, card usage, ATM withdrawals, and cash operations; business pricing may be individualized. Interest conditions on deposits and loans are variable and reflect National Bank of Poland policy and internal decisions; any promotional rates are time-limited. The cooperative structure allows customers to become members by subscribing cooperative shares, with governance via a general meeting, supervisory board, and management board. Prospective clients should review the statute, tariff of fees and commissions, interest rate table, and service regulations, and verify availability of specific features (foreign currency services, instant payments, mobile wallets) before opening products.