Bank Spółdzielczy w Łopusznie

Bank Spółdzielczy w Łopusznie is a regional cooperative bank based in Łopuszno (Świętokrzyskie), operating primarily in its local area and serving individuals, farmers, micro and small enterprises, and public institutions. As a cooperative, it is owned by members who hold shares; membership provides governance rights and typically requires a share contribution, while standard banking services are available without becoming a member. The bank’s offer generally includes PLN current accounts, savings accounts and term deposits, debit cards, domestic transfers, and international transfers where arranged, as well as consumer cash loans, mortgages, agricultural financing using available preferential programs, and working-capital and investment loans for SMEs; basic merchant services (POS/settlement) are available in line with sector norms. Online and mobile banking cover common functions such as payments, standing orders, transaction history, and card controls; remote onboarding and advanced digital features may be more limited than at nationwide commercial banks, and mobile wallet availability depends on card-issuer arrangements. Fees and commissions are set out in the published tariff and commonly include account maintenance, transfer, card and ATM charges; withdrawals outside designated networks can involve additional costs. Deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor, and the bank operates under the supervision of the Polish Financial Supervision Authority (KNF); payment services are subject to PSD2 requirements, including strong customer authentication and regulated third‑party access. The bank’s strengths are proximity and local credit decisioning, while nationwide branch coverage, broad foreign-currency services and advanced corporate cash management are not its focus; prospective clients should review the current tariff, service scope and channel availability before opening an account.