Bank Spółdzielczy w Ciechanowcu

Bank Spółdzielczy w Ciechanowcu is a Polish cooperative bank headquartered in Ciechanowiec (Podlaskie Voivodeship) that operates a local branch network serving households, farmers, and micro and small businesses in its region. It offers standard retail and SME banking services, including current and savings accounts, term deposits, domestic payments processed via the Elixir system and high‑value interbank settlements via SORBNET, payment cards with 3‑D Secure for online transactions, and lending products such as consumer cash loans, overdrafts, working‑capital and investment financing, and agriculture‑related credit. Online channels and card services are subject to PSD2 strong customer authentication; accounts use Polish IBANs and support SEPA credit transfers and international transfers via SWIFT, with fees and execution times set out in the bank’s tariff. As a cooperative institution, it is owned by its members and operates under Polish banking law, supervised by the Polish Financial Supervision Authority (KNF), with deposits guaranteed by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. Pricing, interest rates, and eligibility criteria are defined in the bank’s schedule of fees and regulations and reflect Polish market benchmarks and statutory limits; documentation and collateral requirements apply to credit decisions. The bank’s footprint is regional, so product availability, branch hours, and ATM access depend on location, and account opening generally requires in‑person identity verification; complaints are handled through the bank’s formal process and, for consumers, can be escalated to the Financial Ombudsman (Rzecznik Finansowy) if needed.