Bank Spółdzielczy w Szadku

Bank Spółdzielczy w Szadku is a Polish cooperative bank serving customers in and around Szadek in the Łódź Voivodeship, with a product set oriented to retail clients, farmers, and local micro and small businesses. It offers PLN current and savings accounts, term deposits, domestic transfers via the ELIXIR clearing system, and debit cards with contactless functionality; online and mobile channels cover balance and transaction history, transfers, standing orders, and basic card controls, with strong customer authentication as required by PSD2 and 3D Secure typically applied for e‑commerce payments. Lending spans consumer and business purposes, including working capital, investment, and agri-related financing; housing loans may be available subject to credit assessment and collateral. Pricing is set out in the bank’s Taryfa opłat i prowizji and tables of interest, which differ by segment and product; the scope of services, branch access, and ATM availability reflect its regional footprint. The bank operates under Polish banking and cooperative law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in statutory deposit protection via the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. Foreign currency services and instant payments depend on specific arrangements and tariff terms, and availability should be verified directly with the bank.