Bank Spółdzielczy w Raciążu

Bank Spółdzielczy w Raciążu is a Polish cooperative bank headquartered in Raciąż (Masovian Voivodeship) that focuses on retail and small-business banking in its local market. It offers current accounts for individuals and companies, savings accounts and term deposits, domestic and SEPA transfers, payment cards, cash services, overdrafts, and credit products for consumers and enterprises (including secured facilities subject to collateral and credit assessment). Service is provided through branches with support from electronic channels such as internet banking and card payments; the scope of mobile access and specific digital features depends on the bank’s current platform. Pricing is defined in a Tariff of Fees and Charges and in Interest Rate Tables published by the bank, and may vary by account type, channel, and transaction. As a cooperative institution, customers may become members by acquiring cooperative shares and can exercise voting rights at the general meeting; the bank operates under Polish cooperative and banking law, is licensed and supervised by the Komisja Nadzoru Finansowego, and participates in the Bankowy Fundusz Gwarancyjny deposit guarantee scheme (coverage up to the PLN equivalent of EUR 100,000 per depositor, per bank). Standard onboarding involves KYC/AML verification, and lending decisions follow regulatory and internal risk policies. Availability of foreign-currency services, detailed product parameters, branch hours, and digital functionality should be confirmed directly with the bank due to possible updates and local variations.