Bank Spółdzielczy w Szczuczynie

Bank Spółdzielczy w Szczuczynie is a Polish cooperative bank headquartered in Szczuczyn (Podlaskie), operating mainly in the surrounding region and serving retail clients, farmers, micro and small enterprises, and local institutions. It operates within Poland’s cooperative banking system under the supervision of the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bank Guarantee Fund (BFG) up to the statutory equivalent of 100,000 EUR per depositor. The product set covers current and savings accounts, term deposits, domestic transfers (including standing orders and direct debits) and SEPA transfers, debit cards issued under major payment schemes, and cash services at branches and ATMs. Lending includes consumer and housing loans, mortgages secured on residential property, working-capital and investment loans for businesses, and financing tailored to agriculture, with access to subsidized programs where available. Access channels comprise a local branch network alongside internet banking and a sector-standard mobile app; typical functions include account and card management and remote payments, while the availability of features such as BLIK or mobile wallets depends on current arrangements. Pricing is defined in the bank’s tariff and commonly separates fees for account packages, card maintenance, ATM withdrawals and transfers initiated at the branch; interest on deposits and loans is usually variable and reflects market conditions and internal policy. As a member-owned cooperative, the bank may require or allow the purchase of membership shares and is governed by a management board and supervisory board elected by members, with a local-market focus and a narrower geographic footprint and product range than nationwide commercial banks; advanced investment services, multi-currency accounts or fully remote onboarding may be limited.