Podlasko-Mazurski Bank Spółdzielczy w Zabłudowie

Podlasko-Mazurski Bank Spółdzielczy w Zabłudowie is a Polish cooperative bank headquartered in Zabłudów, operating primarily in its local region through a compact branch network and remote channels. As a member-owned cooperative, it is governed by a general meeting of members, a supervisory board, and a management board, and is supervised by the Polish Financial Supervision Authority (KNF). The bank provides standard retail and SME services, including current and savings accounts, term deposits, domestic and cross-border transfers (including SEPA in euro), payment cards, cash services, and internet and mobile banking for day-to-day payments and account management. Lending covers consumer and housing-secured loans for individuals, as well as working capital, investment, and overdraft facilities for businesses and farmers; agricultural financing may include products aligned with national support programs when available. Fees and commissions are set out in the bank’s tariff, and interest terms follow rate lists and contractual reference rates applicable in Poland. Deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor, and payment services operate under PSD2 rules with strong customer authentication. Account opening requires identity verification and standard documentation; availability of remote onboarding depends on current procedures. The offer is focused on core banking for households, micro and small enterprises, farmers, and local institutions within the bank’s operating area.