Bank Spółdzielczy w Aleksandrowie Łódzkim

Bank Spółdzielczy w Aleksandrowie Łódzkim is a Polish cooperative bank based in Aleksandrów Łódzki and serving the surrounding region. It operates under cooperative ownership with member shareholdings and governance by a management and supervisory board, and is supervised by the Polish Financial Supervision Authority (KNF). Deposits are covered by the statutory guarantee scheme of the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. The bank provides retail and business banking services, including PLN current accounts, savings accounts and term deposits, domestic payment services and debit cards, as well as lending for individuals and enterprises, such as cash loans, mortgage-secured financing subject to credit assessment, and working-capital and investment loans. It processes domestic transfers through the national clearing system and offers cash services at branches, with access to ATM networks through partners. Remote access includes internet banking for individuals and companies with strong customer authentication in line with PSD2 requirements. Fees for account maintenance, transfers, card operations and cash handling, along with interest terms for deposits and loans, are defined in the bank’s published tariffs and regulations. Variable-rate loan agreements typically reference market benchmarks such as WIBOR or WIRON plus a margin set in the contract, while deposit rates are set by the bank and may be fixed or variable. Operations are focused on local clients, including households, micro and small businesses and farmers, with onboarding and KYC procedures aligned to Polish and EU law.