Bank Spółdzielczy w Kaliszu Pomorskim

Bank Spółdzielczy w Kaliszu Pomorskim is a Polish cooperative bank based in Kalisz Pomorski (West Pomeranian Voivodeship) that operates under the cooperative model, with ownership by its members and governance through a management board and supervisory board. Its activity focuses on serving local retail clients, farmers, micro and small enterprises, and public-sector units within its statute-defined area, offering standard banking products such as PLN current and savings accounts, term deposits, domestic and cross-border (including SEPA) transfers, payment cards, cash services, and lending (consumer loans, overdrafts, mortgages secured on real estate, and working-capital or investment financing for businesses and agriculture). Service is delivered through branches and electronic channels (internet and mobile banking), with customer authentication aligned to PSD2 strong customer authentication requirements and 3‑D Secure for card payments; the specific scope of digital features and remote onboarding depends on channel and customer profile. Fees, commissions, and interest rates are set in the bank’s Taryfa Prowizji i Opłat and Tabela Oprocentowania, which are updated periodically and determine conditions such as account maintenance charges, transfer fees, card costs, and deposit or loan rates. The bank is supervised by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego), and deposits are protected by the Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny) up to the equivalent of EUR 100,000 per depositor, subject to statutory rules; consumer rights and payment services are governed by applicable Polish and EU regulations. As with many cooperative institutions, product breadth, third‑party integrations, and self‑service infrastructure may be narrower than at nationwide commercial banks, while credit processes and eligibility, documentation, and collateral requirements are tailored to the bank’s local risk policies. Prospective customers should verify current terms, eligibility criteria, and service availability in the official schedules and documents published by the bank before opening an account or applying for financing.