Bank Spółdzielczy w Tomaszowie Lubelskim

Bank Spółdzielczy w Tomaszowie Lubelskim is a locally focused cooperative bank operating in the Lubelskie region, providing retail, agricultural, SME, and public-sector banking under Polish law and the supervision of the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank’s offer typically includes PLN current and savings accounts, term deposits, cash services, international debit cards, domestic ELIXIR and express transfers, SEPA euro transfers, standing orders, and direct debits, alongside online and mobile banking for day-to-day transactions, card controls, and security features such as strong customer authentication and 3D Secure. Lending covers consumer cash loans, housing loans secured by mortgage, car and consolidation loans, as well as working-capital and investment financing for farmers and small businesses; collateral and affordability rules follow standard Polish banking practice. Business e-banking generally supports multiple user rights, payment files, and mass transfers. Pricing is published in the bank’s tariff and interest tables, with common charges for account packages, card maintenance, ATM withdrawals outside designated networks, branch-initiated transfers, and cash handling; deposit and loan rates move with National Bank of Poland conditions and promotional offers are time-limited. Governance follows the cooperative model, where customers may become members subject to the statute and capital contributions, with voting rights exercised on a one-member-one-vote basis. The distribution model centers on local branches and service points, with remote support via electronic channels.