Powiatowy Bank Spółdzielczy w Opolu Lubelskim

Powiatowy Bank Spółdzielczy w Opolu Lubelskim is a cooperative bank based in Opole Lubelskie that operates under Polish Banking Law and Cooperative Law and is supervised by the Polish Financial Supervision Authority (KNF). It serves retail clients, micro and small businesses, and the agricultural sector in its locality, offering current and savings accounts, term deposits, domestic and SEPA transfers, payment cards, and lending products including consumer, mortgage, and business financing. The bank maintains a local branch network centered on Opole Lubelskie and provides electronic banking access for payments and account management, with strong customer authentication in line with PSD2 and 3-D Secure for card transactions. Deposits are covered by the statutory Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor per bank. Fees and commissions are set out in published tariffs that cover account packages, transfers, card servicing, and ATM usage; deposit rates and loan pricing are adjusted in response to market conditions and central bank policy and may reference benchmarks such as WIBOR or WIRON as specified in agreements. Governance follows the cooperative model, with member ownership, a management board and a supervisory board, and capital built from member contributions and retained earnings; credit decisions, collateral requirements, and risk limits are applied locally within regulatory frameworks. The offering is oriented to everyday banking and domestic payments, with a narrower range of cross-border and investment services than large commercial groups, so businesses with specialized needs should verify product availability and operational cut-off times in the bank’s regulations, fee tables, and service schedules.