Bank Spółdzielczy w Łobżenicy

Bank Spółdzielczy w Łobżenicy is a Polish cooperative bank serving the town of Łobżenica and nearby areas, operating under the Banking Law and Cooperative Law with supervision by the Polish Financial Supervision Authority (KNF) and deposit protection provided by the Bank Guarantee Fund (BFG) up to the equivalent of 100,000 EUR per depositor. As a member-owned institution, it focuses on local retail clients, small businesses, farms, and public entities, offering core services such as current and savings accounts, term deposits, payment cards, domestic transfers, cash services, and lending for households and enterprises. Access is delivered through a local branch network supported by remote channels; some processes can be handled online or by phone, while others require in-person verification and documentation. Fees and conditions are set in a published tariff covering account maintenance, cards, transfers, and ATM usage, and interest rates for deposits and loans are defined in regularly updated schedules; pricing varies by product and customer profile and is subject to change. Compared with large nationwide banks, the product catalogue, credit limits, and digital functionality are narrower, and service availability outside the immediate region is limited; using out-of-network ATMs or non-partner channels may incur additional charges. The bank applies sector-standard compliance and security requirements, including strong customer authentication for electronic services and AML/KYC controls, and provides required disclosures and financial statements. Prospective customers should review the current tariff, interest tables, product regulations, and eligibility criteria on the bank’s official channels before opening accounts or applying for financing.