Bank Spółdzielczy w Grębocinie

Bank Spółdzielczy w Grębocinie is a local cooperative bank based in Grębocin (Kuyavian-Pomeranian region) that serves retail clients, farmers, micro and small enterprises, and local institutions in its area. It offers standard banking products such as PLN current and savings accounts, term deposits, domestic transfers processed via the Elixir system, payment cards, and remote access through online channels. On the credit side, it provides consumer financing and mortgage-secured lending for individuals, as well as overdrafts, working-capital and investment loans for businesses and farms, with pricing and collateral set individually following risk assessment. As a cooperative, it is owned by its members and operates under a governance structure that includes a general meeting, supervisory board, and management board. Deposits are covered by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor, and the bank is supervised by the Komisja Nadzoru Finansowego under Polish Banking Law. Fees and interest terms are defined in the bank’s tariff and product regulations, and may apply to account maintenance, domestic transfers, card transactions, and ATM withdrawals depending on channel and network. Online access is subject to strong customer authentication requirements consistent with PSD2. The offer is oriented to the local market; availability of specific features such as foreign currency services, instant payments, or particular mobile functionalities should be confirmed directly with the bank.