Polski Bank Spółdzielczy w Ciechanowie

Polski Bank Spółdzielczy w Ciechanowie is a locally focused cooperative bank headquartered in Ciechanów that serves retail clients, farmers, micro and small businesses, and public-sector entities in its region. As a cooperative, it is owned by its members and governed on a one-member-one-vote basis, with capital built primarily from member contributions and retained earnings. The bank’s core offering typically covers PLN current and savings accounts, term deposits, domestic payment services via the Elixir system, debit cards, and standard lending such as consumer financing, housing-related loans, working-capital and investment loans for small firms, and agricultural credit subject to collateral and credit assessment. Electronic channels are provided, with strong customer authentication in line with PSD2 requirements, and card transactions use 3D Secure for online payments. It is supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of EUR 100,000 per depositor per institution. The branch footprint is regional, with cash services handled at branches and ATMs; nationwide cash and international capabilities may be more limited than at large commercial banks. Interest rates and fees are set by the bank and disclosed in its tariff and interest tables, including charges for account maintenance, transfers, cards, ATM usage, and cash handling, as well as conditions for early loan repayment. The bank publishes statutory reports as required by law. It is most relevant for clients who conduct everyday banking locally and do not require a broad suite of specialized or cross-border products.