Bank Spółdzielczy w Działdowie z siedzibą w Lidzbarku

Bank Spółdzielczy w Działdowie z siedzibą w Lidzbarku is a cooperative bank operating under Polish law, serving retail clients, micro and small businesses, farmers, and local institutions, with activity focused on Działdowo and neighboring areas; it offers current and savings accounts, term deposits, payment services, debit cards with contactless functionality, domestic and cross-border transfers, and lending products such as consumer cash loans, car loans, working-capital and investment financing for businesses, and mortgage-style secured loans in PLN; pricing is defined in published fee and interest schedules, with loan terms typically reflecting borrower risk, collateral, and market benchmarks; service is provided through branches, online banking, and mobile channels for standard functions like transfers, standing orders, e-statements, and card controls, while business e-banking includes enhanced authorization and user management; transactions are processed through Polish clearing systems according to cutoff times, and instant payments or additional transfer schemes may be available depending on channel and counterpart networks; the bank applies strong customer authentication under PSD2 and supports 3-D Secure for card payments; governance follows cooperative principles, with local ownership and supervisory and management boards in line with statutory requirements; the institution is supervised by the Polish Financial Supervision Authority (KNF), and deposits are covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor; product breadth and distribution are oriented to the local market, with credit decisions and collateral practices adapted to regional economic conditions, while advanced investment or brokerage services are limited; key documents such as the tariff, interest tables, product regulations, and information leaflets define costs, risks, and complaint procedures, and should be reviewed before opening an account or applying for financing.