Bank Spółdzielczy w Trzebnicy

Bank Spółdzielczy w Trzebnicy is a locally focused cooperative bank that operates under Poland’s Banking Law and Cooperative Law, serving individual clients, farmers, and small to medium-sized businesses in Trzebnica and nearby municipalities. The bank provides standard retail and business services, including current and savings accounts, term deposits, domestic and cross-border transfers, debit cards, and access to electronic channels for account management and payments, alongside lending products such as consumer, housing, and business loans (working capital and investment financing). It is a licensed credit institution 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, and it participates in national payment clearing (ELIXIR) and SEPA transfers. As a cooperative, it is owned by its members and follows a governance model based on member participation and statutory bodies, with capital adequacy and risk management aligned to regulatory requirements. Digital services are subject to strong customer authentication under PSD2, and card payments use industry security standards such as 3-D Secure. Pricing is defined in published tariff schedules that specify account maintenance fees, transfer charges, card and ATM fees, and interest rates for deposits and loans, which are adjusted in line with market conditions and internal risk policies. Branch-based service remains a core channel, with selected processes available remotely, and product availability, limits, and collateral requirements depend on individual credit assessments and local underwriting rules.