Bank Spółdzielczy w Jasienicy

Bank Spółdzielczy w Jasienicy is a Polish cooperative bank based in Jasienica that serves retail clients, micro and small businesses, farmers, and local institutions in its region. It operates under the Polish Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the statutory deposit guarantee scheme administered by the Bank Guarantee Fund (BFG), which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per bank. The bank’s core offer includes personal and business current accounts, savings accounts and term deposits, payment cards, domestic transfers via the Elixir system, and euro transfers within SEPA, along with consumer, housing, working-capital, and investment loans, including products tailored to agricultural activity. Distribution is primarily branch-based, supplemented by online and mobile banking with strong customer authentication consistent with PSD2 requirements. Pricing is defined in a published fee and commission schedule covering account packages, cards, and payment operations; conditions and exemptions depend on product terms. Credit is granted following standard creditworthiness and collateral assessment, with risk-based pricing; selected products may use third-party guarantees where available. As a cooperative, customers who become members hold voting rights in the general meeting, and governance follows the one-member-one-vote principle. The institution’s local focus implies a limited nationwide footprint and a product set oriented toward traditional banking needs rather than broad, advanced digital ecosystems.