Bank Spółdzielczy w Szczebrzeszynie

Bank Spółdzielczy w Szczebrzeszynie is a Polish cooperative bank based in Szczebrzeszyn that serves retail customers, farmers, and micro and small businesses in its local area. As a cooperative, it is owned by its members and operates under Polish banking law, 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. Its core offer typically includes PLN current accounts, savings accounts, term deposits, debit cards, cash services, domestic transfers via the Elixir system, and standard lending for households and enterprises (such as cash loans, mortgages subject to credit assessment, overdrafts, and financing for working capital or investment needs). Access is provided through a branch network focused on Szczebrzeszyn and nearby localities, complemented by internet banking and a mobile app with strong customer authentication in line with PSD2 requirements, along with 3‑D Secure for card payments. Pricing is set out in a published fee and commission schedule and interest rate tables, with charges varying by account package, transaction type, and ATM network used. The bank applies internal credit and risk procedures consistent with cooperative sector standards and publishes product regulations and consumer information on its website and in branches. The scope of services and distribution reflects its regional mandate, with product availability and limits determined by local policies and the bank’s tariff.