Bank Spółdzielczy w Pilźnie

Bank Spółdzielczy w Pilźnie is a cooperative bank based in Pilzno (Podkarpackie Voivodeship) that operates under the Polish Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the statutory deposit guarantee scheme of the Bankowy Fundusz Gwarancyjny (coverage up to the equivalent of EUR 100,000 per depositor). As a member-owned institution, it functions on a cooperative governance model with a general meeting of members, a supervisory board, and a management board; acquisition of cooperative shares may be required to establish membership. The bank focuses on the local market, serving households, farmers, micro and small businesses, and public-sector entities, offering current and savings accounts, term deposits, domestic and international transfers, debit cards with contactless payments, and standard e-banking channels (internet and mobile) with strong customer authentication and 3-D Secure for card transactions. Lending typically includes consumer cash loans, housing-related financing, vehicle loans, overdrafts, and for businesses and farms, working-capital and investment loans as well as seasonal and equipment financing; pricing, limits, and collateral requirements are set by the bank’s credit policy and may differ by client segment. Fees and interest rates are published in the bank’s tariff and schedules and can include charges for cash operations, interbank ATM withdrawals, and certain transfers. Account opening and selected credit processes often require in-person identity verification at a branch; remote onboarding options may be limited. The bank’s footprint is regional and its product catalogue aligns with the cooperative sector, so digital features and ancillary services may be narrower than those of nationwide universal banks.