Bank Spółdzielczy w Żurawicy

Bank Spółdzielczy w Żurawicy is a regional cooperative bank based in Żurawica that serves households, farmers, micro and small businesses, and local institutions in the Podkarpackie area. As a cooperative, it is owned by its members and operates under Polish banking law, supervised by the KNF, with deposits covered by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. The bank’s offer typically includes PLN current and savings accounts, term deposits, domestic payment services (transfers, standing orders, direct debit), debit cards, cash handling, and lending products such as consumer and housing-related loans, working capital and investment loans for businesses, and financing tailored to local economic activity. Service is provided through a local branch network and remote channels including internet and mobile banking, with strong customer authentication in line with PSD2; access for third‑party providers is available under open banking rules. Fees, commissions, and interest rates are published in the tariff and interest tables and may be conditional on account packages or product usage; credit costs depend on risk assessment and collateral requirements. Compared with large nationwide banks, the product range is focused on core retail and SME banking, and advanced investment or capital markets services are limited. The bank participates in the cooperative banking safety arrangements of its associating group, which support liquidity and risk management at the sector level. Customers should review the current schedule of fees and terms before opening accounts or applying for financing.