Question 1

What is Bank Spółdzielczy w Józefowie nad Wisłą?

Accepted Answer

Bank Spółdzielczy w Józefowie nad Wisłą is a local cooperative bank operating in Poland. Located in the Lublin Voivodeship, it serves the municipality of Józefów nad Wisłą and surrounding areas, providing comprehensive banking services to individual customers, businesses, farmers, and local institutions.

The bank is affiliated with Bank Polskiej Spółdzielczości S.A. (BPS Bank) as part of Grupa BPS, Poland's largest cooperative banking network. It operates as a credit institution regulated by the Polish Financial Supervision Authority (PFSA) and participates in the Polish Deposit Guarantee Scheme (BFG).

Question 2

When was Bank Spółdzielczy w Józefowie nad Wisłą founded?

Accepted Answer

The bank's origins trace back to 1927, when Spółdzielcza Kasa Stefczyka (Stefczyk Cooperative Bank) was established in Józefów nad Wisłą. The institution evolved through several organizational forms over the decades.

In 1950, it was transformed into a Gminna Kasa Spółdzielcza (Municipal Cooperative Bank) in Opole Lubelskie with a branch in Rybitywy, then relocated to Józefów nad Wisłą in 1952. In 1956, following reforms that restored cooperative autonomy, it became a Kasa Spółdzielcza (Cooperative Bank).

On April 11, 1965, the Walne Zebranie Przedstawicieli (Assembly of Representatives) officially adopted the name Bank Spółdzielczy w Józefowie nad Wisłą, which remains in use today. In 2027, the bank celebrated its 70th anniversary under continuous operation in Józefów nad Wisłą.

Question 3

Where is Bank Spółdzielczy w Józefowie nad Wisłą headquartered?

Accepted Answer

The bank is headquartered at ul. Opolska 5 in Józefów nad Wisłą, a town in the Lublin Voivodeship of eastern Poland. The bank's headquarters building was constructed through its own efforts (systemem gospodarczym) starting June 1, 1960, with construction spanning two years.

Question 4

Where does Bank Spółdzielczy w Józefowie nad Wisłą operate?

Accepted Answer

Bank Spółdzielczy w Józefowie nad Wisłą operates primarily in Józefów nad Wisłą and the surrounding areas within the Lublin Voivodeship. Historically, the bank maintained branch locations in Stare Boiska and Chruślin to serve the broader community.

The Chruślin branch operated on Tuesdays and Thursdays from 7:30-14:00, while the Stare Boiska branch was temporarily closed in 2021 due to COVID-19 health restrictions. The bank's operational area reflects its commitment to serving the local rural and small-town communities in the region.

Question 5

What services does Bank Spółdzielczy w Józefowie nad Wisłą offer?

Accepted Answer

Bank Spółdzielczy w Józefowie nad Wisłą offers comprehensive banking services:

Retail Banking: Current accounts, savings accounts, and specialized accounts including a free JUNIOR account for youth aged 13-18.

Credit Products: Personal loans, mortgage loans, agricultural loans including specialized financing for fertilizers and plant protection products, and the "Kredyt Mrozowy Komercyjny" (Frost Damage Loan) for farmers affected by weather damage.

Business Banking: Business accounts, commercial financing, and cash management services for local enterprises and entrepreneurs.

Digital Banking: Internet Banking for both individuals and businesses, with business services featuring chipcard or e-Token authorization for enhanced security. The system provides 24/7 access to account management and transactions.

Payment Services: Domestic transfers, instant transfers via SORBNET (available since March 1, 2016), and various payment processing options including ELIXIR transfers.

Additional Services: Payment cards with Infolinia support available 24/7 at +48 86 215 50 00, insurance products, and integration with Poland's social security payment systems (ZUS).

Question 6

What makes Bank Spółdzielczy w Józefowie nad Wisłą unique?

Accepted Answer

Bank Spółdzielczy w Józefowie nad Wisłą stands out for its nearly century-long commitment to the Józefów nad Wisłą community. With roots dating to 1927, it has continuously served local residents through dramatic political and economic transformations, from the interwar period through communist rule to modern democratic Poland.

The bank has consistently played an important role in the socio-economic life of the municipality, supporting local development and maintaining close relationships with the community it serves. Its specialized agricultural financing products, including weather-related damage loans, demonstrate deep understanding of local farming community needs.

The bank actively engages in community sponsorship and support, including financing the KS Wisła 2018 sports club, contributing to youth festivals ("Święto młodości"), and supporting local schools and educational institutions. It maintains special programs for children, including bank tours on Cooperative Banking Day (Święto Spółdzielczości Bankowej), helping educate future generations about cooperative banking principles.

Question 7

What type of financial institution is Bank Spółdzielczy w Józefowie nad Wisłą?

Accepted Answer

Bank Spółdzielczy w Józefowie nad Wisłą is classified as a credit institution (CRD_CRE_INS) under European banking regulations. In Poland, it operates specifically as a bank spółdzielczy (cooperative bank).

Cooperative banks in Poland are member-owned universal banks operating on cooperative principles established in the 19th century. They provide full banking services while prioritizing member and community needs over profit maximization.

The bank is supervised by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego - KNF) and complies with Polish banking law and EU banking directives. On March 26, 2002, it signed an affiliation agreement with Bank Polskiej Spółdzielczości S.A., becoming a shareholder and member of Grupa BPS.

Bank Spółdzielczy w Józefowie nad Wisłą

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About Bank Spółdzielczy w Józefowie nad Wisłą in Poland

Bank Spółdz­ielczy w Józefowie nad Wisłą