Bank Spółdzielczy w Głownie

Bank Spółdzielczy w Głownie is a local Polish cooperative bank operating under domestic banking law, supervised by the Polish Financial Supervision Authority (KNF) and covered by the Bankowy Fundusz Gwarancyjny deposit guarantee scheme up to the equivalent of EUR 100,000 per depositor. It offers retail and business banking focused on its home area, including current and savings accounts, term deposits, payment cards, cash services, and lending such as consumer loans, overdrafts, mortgages, and financing for micro, small and agricultural enterprises. Standard domestic transfers are processed through national clearing systems, with high-value settlements available via the central bank’s infrastructure; international transfers are typically handled through correspondent arrangements and may involve additional fees and longer processing times. Service is provided through branches and electronic channels (internet banking and, where offered, mobile access) for balances, transfers, and card management. Pricing is defined in published tariffs and interest rate tables; total costs depend on account type, card program, transfer channel, and cash usage. Account opening generally requires a valid ID and PESEL for individuals; businesses typically need registration documents (e.g., KRS or CEIDG), NIP, and REGON. Complaints can be submitted in branch, by mail, or electronically, with responses issued within statutory deadlines. As with many cooperative banks, the geographic footprint and product catalogue are narrower than at nationwide institutions, and availability of advanced digital features or broader ATM partnerships may vary. Regulatory documents and disclosures are provided in Polish.