Bank Spółdzielczy w Czarnym Dunajcu

Bank Spółdzielczy w Czarnym Dunajcu is a Polish cooperative bank headquartered in Czarny Dunajec (Małopolskie), operating under the Cooperative Banks Act and Banking Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. As a cooperative, it is owned by members under a one‑member‑one‑vote governance model and participates in the cooperative sector’s institutional protection framework. The bank focuses on local households, micro and small businesses, and the agricultural sector, serving clients primarily in the surrounding Nowy Targ area through a regional branch footprint and remote channels. Its product set covers standard retail and SME services: current and savings accounts, term deposits, domestic payments and transfers processed through the national clearing system, SEPA and other international transfers, debit cards for cash withdrawals and non‑cash payments, cash services at branches and ATMs where available, and access to online banking. Lending includes consumer cash loans, housing‑related loans, and business and agricultural financing for working capital and investments, with credit decisions based on documented income, risk assessment, and collateral where applicable. The institution complies with PSD2 (strong customer authentication and regulated access for licensed third parties) and applies standard AML and sanctions controls. Pricing and conditions are set by the bank and published in the schedule of fees and charges, interest rate tables, and product regulations; terms vary by product, channel, and client segment. Customers should review the current tariff, disclosures, branch locations and hours, and available digital access options directly with the bank before opening accounts or entering into credit agreements.