CSOB Municipal Program

A programme intended for communities, towns, associations of communities, and district authorities, including their established organisations, this is a comprehensive offer for financial servicing that is bound to products and services provided throughout our group.

Benefits

You will get the optimum solution for your requirements and needs with regards to payments, appreciation of available funds, and financing operational and developmental activities.

Other merits include:

high-quality service – individual service provided by a selected experienced employee, a business banker from the applicable branch office,
above-average conditions of financing – very advantageous, adapted to the needs and financial flows of individual entities in the municipal sphere,
special fees and interest rates – not only for the basic CSOB Municipal Account and CSOB Account for Non-Profit Organisations products and the other selected services and products related to them, but generally for the entire sub-segment of clients in the communal sphere,
speed – use of a very modern payment and billing system that works in real-time (online) and modern distribution electronic channels for directly connecting the client with the bank (CSOB Linka 24, CSOB Internetbanking 24, CSOB BusinessBanking 24),
advisory activity – consultation on cash flows, administration of available finances and optimisation of investment plans,
access to resources – financing operational and investment needs, including financing of development of programs and the use of EU and state resources,
benefits for personnel – the offer of the CSOB Benefit Program for representatives and employees of communities and regional authorities.

Get Acquainted

The standard offer of the programme includes:

CSOB Municipal Account – intended exclusively for the needs of towns, communities, associations of communities and regional authorities for making payments. This constitutes a comprehensive offer for special prices and interest rates to cover the basic needs of payment and billing:
- opening in management of a current account,
- sending statements,
- special bracketed interest rates for current account balances,
- electronic banking services (CSOB Linka 24, CSOB Internetbanking 24, CSOB BusinessBanking 24),
- embossed payment card,
- possibility of authorised overdraft.
CSOB Fictitious Cash Pooling – affective appraisal of available finances deposited on non-time accounts of cities, and also on non-time accounts of organisations established by cities.
CSOB Account for Non-Profit Organisations – intended for all types of allowance organisations that have been established by a municipality and that need simple, well manageable, and economically available bank accounts. This account is suitable thanks to its versatility and precise focus on the specific needs of clients:
- setting up an opening a current account,
- sending statements,
- special bracketed interest rates for current account balances,
- electronic banking service (CSOB Linka 24, CSOB Internetbanking 24, CSOB BusinessBanking 24),
- electronic payment card.
Administration of loans for citizens from the Housing Development Funds of towns and communities – ensures comprehensive and synoptic management of an administration of loans provided by towns or communities to individual citizens from the Housing Development Fund.
Appraisal of Available Funds – using CSOB deposit products or the individual investment scenario prepared by a specialist from CSOB Asset Management, a.s., a member of the CSOB group.
CSOB Communal Financing – offers a portfolio of credit products that ensure financing adapted to the needs and cash flow of individual entities.

The individual approach to handling each case and use of all available support programs (including EU programmes) makes it possible to find the optimum makeup of the finances necessary for operational and investment financing of communities, towns, associations of communities, and regions.

Terms and conditions

The CSOB Municipal Account can be opened by authorised representatives of communities, towns, associations of communities, or district authorities.

when opening the account you need only provide the following documents:
an original or verified copy attesting to the founding and existence of the community, town, association of communities or regional authority, and the current policy of the statutory body.

To open CSOB Account for Non-Profit Organisations you need only provide:

an original or verified copier testing to the founding and existence of the organisation,
substantiation of the current policy of the organisation.

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