Bank Spółdzielczy w Proszowicach

Bank Spółdzielczy w Proszowicach is a locally focused cooperative bank in the Małopolskie region, providing retail and business banking such as PLN current and savings accounts, term deposits, debit cards, cash services, and lending that typically includes consumer loans, housing-related financing, overdrafts, and working-capital or investment loans for small firms and farms. Services are delivered through a limited branch network and remote channels, including online banking with mobile access for domestic transfers, standing orders, e-statements, and basic card controls, with strong customer authentication under PSD2. The bank is supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor; cooperative shares taken up by members are not covered by this guarantee. Prices are set out in the fee and commission schedule and commonly include monthly account package fees, charges for certain transfers, and cash withdrawal costs outside designated ATM networks, so total cost depends on usage patterns. The product range is narrower than at nationwide commercial banks—specialized investment, brokerage, and wealth products are limited—and the geographic footprint is small, but core transactional, savings, and credit needs of households, microbusinesses, and agricultural clients in the area are addressed. Complaints and dispute resolution follow Polish law, with recourse to the Financial Ombudsman. Prospective clients should verify current interest rates, eligibility requirements, and digital functions directly with the bank, as terms and availability may change.