Bieszczadzki Bank Spółdzielczy w Ustrzykach Dolnych

Bieszczadzki Bank Spółdzielczy w Ustrzykach Dolnych is a cooperative bank headquartered in Ustrzyki Dolne, operating primarily across Bieszczady County and nearby areas of the Podkarpackie region. As a member-owned institution, it functions under a cooperative governance model with statutory bodies such as the general meeting of members, a supervisory board, and a management board. The bank offers standard retail and small-business products, including current and savings accounts, term deposits, debit cards, cash services, and financing for consumers, farmers, and enterprises (overdrafts, working-capital loans, investment loans, and mortgages). It provides electronic channels such as internet and mobile banking for payments, transfers, and account management, while in-branch services remain available for cash operations and advisory. Domestic transfers are processed through national clearing systems, and euro SEPA transfers are typically supported; international transfers may be available via correspondent arrangements. The institution is supervised by the Polish Financial Supervision Authority (KNF), and eligible deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of 100,000 EUR per depositor, in line with applicable regulations. Pricing, fees, and interest rates are set by tariff and product terms, which can vary by customer segment and are published by the bank; product availability may differ by branch.