Bank Spółdzielczy w Żyrakowie

Bank Spółdzielczy w Żyrakowie is a local cooperative bank based in Żyraków, operating under Polish Banking Law and supervised by the Polish Financial Supervision Authority (KNF). As a member-owned institution, it focuses on serving residents, micro and small businesses, and farmers in its immediate region, with a branch-led model supplemented by remote channels for day-to-day banking. The product set typically includes personal and business current accounts, savings accounts and term deposits, domestic transfers, debit cards, and credit products such as consumer loans and financing for businesses and agriculture, with mortgage or investment lending available subject to credit assessment and collateral requirements. Pricing is set in publicly available fee and interest schedules; costs commonly cover account maintenance, cards, cash withdrawals outside designated ATM networks, and certain transfer types, while preferential conditions may depend on maintaining activity thresholds. Accounts generally require identity verification and standard KYC documentation, with onboarding most often finalized in-branch; the extent of remote account opening and mobile functionality depends on the bank’s current platform and policies. The bank applies strong customer authentication under PSD2, is subject to AML/CFT and GDPR requirements, and participates in the statutory deposit guarantee scheme administered by the Bankowy Fundusz Gwarancyjny (BFG), which protects eligible deposits up to the PLN equivalent of EUR 100,000 per depositor per institution. Service scope and pricing reflect a regional cooperative profile, so nationwide reach, advanced digital features, and fee structures can differ from larger commercial banks; prospective customers should review the latest tariff, interest tables, and product regulations published by the bank before opening an account or taking credit.