Question 1

What is Bank Spółdzielczy w Żurawicy?

Accepted Answer

Bank Spółdzielczy w Żurawicy is a local cooperative bank (bank spółdzielczy) operating in the Podkarpackie Voivodeship in southeastern Poland. As part of the BPS Group (Bank Polskiej Spółdzielczości), it is one of over 300 cooperative banks affiliated with Poland's largest cooperative banking network.

The bank serves individual customers, small and medium-sized enterprises, local government units, and agricultural businesses in its local community. Like other Polish cooperative banks, it operates on cooperative principles while offering universal banking services tailored to the needs of smaller towns and rural areas.

Question 2

When was Bank Spółdzielczy w Żurawicy founded?

Accepted Answer

Bank Spółdzielczy w Żurawicy was founded in 1975. The bank was formally registered in the National Court Register (KRS) on January 4, 2002, reflecting the modernization of Poland's legal and regulatory framework for cooperative banks following the post-Communist transition.

The bank is part of Poland's rich cooperative banking tradition, which dates back over 150 years and represents the longest-standing banking heritage in the country based on Polish capital.

Question 3

Where is Bank Spółdzielczy w Żurawicy headquartered?

Accepted Answer

The bank is headquartered at ul. Bankowa 4, 37-710 Żurawica, Poland. Żurawica is a village in the Podkarpackie Voivodeship in southeastern Poland.

Question 4

Where does Bank Spółdzielczy w Żurawicy operate?

Accepted Answer

Bank Spółdzielczy w Żurawicy operates primarily in the Podkarpackie Voivodeship region of southeastern Poland. The bank maintains its main office in Żurawica and operates at least one branch location in Orły, located on ul. Krakowska 3.

As a local cooperative bank, it focuses on serving communities in and around its operating area, providing banking services tailored to the specific needs of residents, businesses, and agricultural enterprises in the region.

Question 5

What services does Bank Spółdzielczy w Żurawicy offer?

Accepted Answer

Bank Spółdzielczy w Żurawicy offers a comprehensive range of universal banking services including:

Personal Banking: Individual checking accounts (ROR), savings accounts, and progressive deposit accounts with increasing interest rates over time. The bank provides modern internet and mobile banking platforms accessible 24/7.

Business Banking: Corporate checking accounts for sole proprietorships and businesses, investment loans tailored to business needs, and cash management services for efficient business operations.

Lending Products: Residential mortgages ("Mój Dom") with terms up to 25 years, consumer loans with terms up to 10 years, and short-term credit facilities up to 5 years. The bank also offers specialized investment loans for business development, equipment purchases, and working capital.

Digital Services: Full-featured internet and mobile banking with BLIK payment integration for contactless payments in stores and online platforms. The bank offers MojeID digital identity verification services and online application processing for government programs including Family 800 Plus, Good Start, and Family Capital.

Payment Services: Foreign exchange services with current exchange rates, domestic and international transfers, and modern electronic payment solutions.

All deposits are guaranteed by the Bankowy Fundusz Gwarancyjny (Bank Guarantee Fund), and the bank participates in the BPS Institutional Protection Scheme for additional security.

Question 6

What makes Bank Spółdzielczy w Żurawicy unique?

Accepted Answer

Bank Spółdzielczy w Żurawicy distinguishes itself through its deep roots in the local community and commitment to serving southeastern Poland's Podkarpackie region. As a cooperative institution operating on cooperative principles for nearly 50 years, it prioritizes proximity to customers and understanding local economic conditions.

The bank's strength lies in its ability to offer competitive financial solutions specifically adjusted to the possibilities and expectations of customers in smaller towns and rural areas. Its affiliation with the BPS Group provides access to advanced banking infrastructure and technology while maintaining local decision-making autonomy.

The bank benefits from participation in the BPS Institutional Protection Scheme, which provides an additional layer of security beyond the standard Bank Guarantee Fund guarantee, enhancing the safety of customer deposits and the bank's overall stability.

Question 7

What type of financial institution is Bank Spółdzielczy w Żurawicy?

Accepted Answer

Bank Spółdzielczy w Żurawicy is a spółdzielnia (cooperative) operating as a credit institution under Polish banking law. It is classified as a bank spółdzielczy (cooperative bank), a distinct category of financial institution in Poland with a rich historical tradition.

Cooperative banks in Poland operate as universal banks based on cooperative principles, meaning they are owned by their members rather than external shareholders. They are supervised by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego - PFSA) and must comply with the same prudential regulations as commercial banks.

As a credit institution authorized by the European Banking Authority (EBA) since November 29, 2019, the bank operates under EU banking regulations and benefits from deposit protection through Poland's Bank Guarantee Fund (PL_BFG). Its legal form as a cooperative distinguishes it from joint-stock commercial banks, allowing it to focus on serving local community needs rather than maximizing shareholder returns.

Bank Spółdzielczy w Żurawicy

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About Bank Spółdzielczy w Żurawicy in Poland

Bank Spółdz­ielczy w Żurawicy