Wschodni Bank Spółdzielczy w Chełmie

Wschodni Bank Spółdzielczy w Chełmie is a Polish cooperative bank headquartered in Chełm that serves retail clients, small and medium-sized enterprises, farmers, and local institutions through a regional network of branches in the Lublin voivodeship. As a cooperative, it operates under Polish Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and its deposits are guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of 100,000 EUR per depositor. The bank offers current and savings accounts, term deposits with standard early-withdrawal conditions, domestic and international transfers, contactless debit cards on international schemes (e.g., Visa or Mastercard), and lending products such as consumer, business, and agriculture-related financing; trade finance tools and leasing or insurance are typically available via partner providers within the cooperative network. It provides online and mobile banking for payments and account management with PSD2 strong customer authentication and 3‑D Secure for card transactions, executes domestic ELIXIR transfers and euro SEPA transfers, and handles cross-border payments via SWIFT through correspondent banks. Governance follows the cooperative model (customers may become members by taking cooperative shares; membership confers voting rights but is not required to use banking services). Fees, interest rates, and product terms are published in the bank’s tariff and schedules; branch hours, contact channels, and service availability are listed on the bank’s website and are subject to change.