Bank Spółdzielczy w Miedźnej

Bank Spółdzielczy w Miedźnej is a Polish cooperative bank based in the gmina of Miedźna in the Silesian Voivodeship, operating as a local credit institution focused on individuals, farmers, micro and small businesses, and local government units. The bank provides standard retail and business services such as payment accounts, savings accounts, term deposits, payment cards, cash services, and lending for consumer and business purposes, with conditions specified in its published tariff and rules. Services are delivered through branches in its area of operation and via remote channels, including internet and mobile banking within the scope made available by the bank. As a licensed bank under Polish law, it is supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the statutory Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor per bank. Payments and transfers are executed through national clearing systems, and the bank operates under PSD2 requirements, including strong customer authentication and access for licensed third-party providers. Governance follows the cooperative model, with member-shareholders holding voting rights and the institution not listed on a stock exchange. The bank’s footprint is regional, with product availability, fees, and rates set locally and documented in the bank’s schedules and regulations.