Międzypowiatowy Bank Spółdzielczy w Myszkowie

Międzypowiatowy Bank Spółdzielczy w Myszkowie is a regional cooperative bank headquartered in Myszków (Silesian Voivodeship) that serves households, farmers, small and medium-sized enterprises, and local institutions in Myszków and surrounding counties. The bank provides standard retail and business banking services, including current and savings accounts, term deposits, payment cards, domestic and cross-border transfers, and lending such as consumer and housing loans for individuals and working-capital and investment financing for companies. Services are delivered through a local branch network and remote channels, with customer authentication aligned to PSD2 strong customer authentication requirements and 3-D Secure for online card transactions. Domestic PLN transfers are cleared via the Elixir system, and the bank makes SEPA transfers in EUR available; foreign transfers in other currencies are handled through correspondent arrangements where applicable. Pricing is set in the published schedule of fees and commissions, and interest conditions depend on the product and tenor; rules on overdrafts, early repayment, and ancillary services are defined in separate regulations and tariff documents. As a cooperative institution operating under Polish banking law, the bank is supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. Its operations are oriented to local markets, which typically means a regional footprint and a focus on core payment, savings, and credit services rather than the broader nationwide offerings maintained by large commercial banks.