Bank Spółdzielczy w Żołyni

Bank Spółdzielczy w Żołyni is a Polish cooperative bank based in Żołynia (Podkarpackie voivodeship) that provides retail and small-business banking in its local area. It operates under the Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the statutory deposit guarantee scheme administered by the Bank Guarantee Fund (BFG), which protects eligible deposits up to the equivalent of EUR 100,000 per depositor. The bank’s offer covers everyday banking in PLN such as current and savings accounts, term deposits, payment cards, cash services, domestic transfers, and lending products including consumer loans, mortgages and financing for micro and small enterprises and farms; credit is granted subject to assessment of income, collateral and credit history as defined in internal policies and applicable regulations. Remote access is available for basic account management and payments via online channels with strong customer authentication consistent with PSD2, while branch service remains central for onboarding and more complex cases. Pricing, interest rates, limits and service scope are set out in the bank’s tariff and schedules and should be reviewed before opening an account or applying for credit. The institution focuses on customers in Żołynia and nearby communities, including households, farmers, sole proprietors, SMEs and local institutions, and publishes required financial and risk disclosures; inquiries and complaints can be submitted at branches, by phone or electronically within the statutory deadlines.