Bank Spółdzielczy w Białogardzie

Bank Spółdzielczy w Białogardzie is a Polish cooperative bank based in Białogard that operates under the Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the statutory deposit guarantee scheme of the Bankowy Fundusz Gwarancyjny (coverage up to the equivalent of EUR 100,000 per depositor per bank); it focuses on retail, agricultural, and SME clients in its local area and offers current and savings accounts in PLN, term deposits, domestic and international transfers, card services, cash handling, and credit products including consumer, housing, and business/agribusiness working-capital and investment loans; services are delivered through regional branches, ATMs, and remote channels such as online and mobile banking, with fees, interest and limits defined in the bank’s tariff and product regulations; variable-rate lending typically references market benchmarks (e.g., WIBOR/WIRON) per contract terms, with standard collateral and credit assessment requirements, and early-repayment and consumer-protection rules applied in line with Polish and EU regulations; as a cooperative, ownership rests with members who subscribe cooperative shares and exercise voting rights on a one-member-one-vote basis via the general meeting, with supervisory and management boards responsible for oversight and disclosures published in accordance with prudential and reporting requirements (including CRR/CRD, PSD2, and AML/CFT obligations); the bank’s offer and channel availability are oriented to customers in Białogard and nearby municipalities, and the scope of selected services or integrations may depend on arrangements within the cooperative banking system and partner institutions, so prospective clients should confirm current tariffs, interest schedules, eligibility criteria, and access channels directly with the bank.