Bank Spółdzielczy w Radzyniu Podlaskim

Bank Spółdzielczy w Radzyniu Podlaskim is a regional cooperative bank headquartered in Radzyń Podlaski that provides retail and small-business banking services under Polish banking law. Its product set typically covers current and savings accounts, term deposits, debit cards, domestic and cross-border transfers (including SEPA for euro payments), and lending to individuals, farmers, and SMEs such as consumer cash loans, housing-related financing, and working-capital or investment loans subject to credit assessment and collateral requirements. The bank operates a local branch and ATM network concentrated in its home area and supports remote service through online and mobile banking for payments, balance inquiries, transfers, and basic card management, applying strong customer authentication under PSD2 for electronic channels and 3-D Secure for e-commerce card transactions. Governance follows the cooperative model in which members hold shares and exercise voting rights, with management and supervisory bodies appointed under statutory rules. The institution is supervised by the Polish Financial Supervision Authority (KNF), participates in the sector’s institutional protection scheme, and its eligible deposits are guaranteed by the Bank Guarantee Fund (BFG) up to the statutory limit of the equivalent of EUR 100,000 per depositor. Pricing is set by published tariffs, with account, card, and transfer fees varying by package; deposit and loan rates track market and policy-rate conditions and may be tiered by amount or term; early withdrawal from term deposits can result in loss of accrued interest. As with many cooperative banks, the offer is geared to local clients and routine banking needs, while nationwide reach, advanced corporate services, and fully remote onboarding options may be more limited compared with large commercial banks.