The aim of the study was to present the basic issues related to the functioning of municipal savings banks, and then show the possibilities of their activities in Poland. At present, they do not function in the Polish financial system, but of former times was, Poles carried the rich tradition of creating and maintaining. The article is described so alike history of municipal savings banks in Poland, as the hypothetical functioning under the instruments microfinance. Entire complement consideration related to restarting operations municipal savings banks in modern Poland. To write an article were used the existing written sources, which after analysis of its foundations constituted. The most important conclusions of the study, was the statement the theoretical complementarily municipal savings banks, with another pro-civic instruments (eg. participatory budget), and to statement significant rank of this institution in the development of the local civil society.