Bank Spółdzielczy w Chojnicach

Bank Spółdzielczy w Chojnicach is a cooperative bank headquartered in Chojnice, operating primarily in the Pomeranian region under the Polish Banking Law and Cooperative Law, and supervised by the Polish Financial Supervision Authority (KNF). It is owned by its cooperative members and serves local households, micro and small businesses, farmers, and public-sector entities through a regional branch network alongside internet and mobile banking. The bank offers PLN current and savings accounts, term deposits, payment cards, domestic transfers, and a range of lending products including consumer cash loans, mortgage‑secured housing loans, overdrafts, and working‑capital and investment financing for enterprises. Electronic channels apply strong customer authentication and online card payments use 3‑D Secure. Fees and interest conditions are set out in its tariff and interest rate tables and depend on the chosen account, card, or loan parameters. Deposits are protected by the Bank Guarantee Fund (BFG) up to the PLN equivalent of EUR 100,000 per depositor per institution in line with EU rules, with payouts within statutory timeframes. The bank publishes mandatory regulatory disclosures and financial statements and participates in national payment infrastructures for cash withdrawals and domestic clearing. Service scope, credit policy, and product availability reflect its cooperative ownership structure and regional footprint.