Bank Spółdzielczy w Międzyrzecu Podlaskim

Bank Spółdzielczy w Międzyrzecu Podlaskim is a locally focused Polish cooperative bank headquartered in Międzyrzec Podlaski (Lublin Voivodeship). It operates under the Polish Banking Law, is supervised by the Polish Financial Supervision Authority (KNF), and its deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. The bank’s activity centers on day-to-day banking for households and small businesses in its catchment area, with a product set typical for the cooperative sector: PLN current and savings accounts, term deposits, domestic payments processed through the KIR Elixir system, standing orders and direct debits, issued debit cards for cash withdrawals and card payments, and lending such as account overdrafts and consumer or business loans. It provides internet banking for basic account management and transfers; authentication follows PSD2 strong customer authentication requirements, and online card payments use 3-D Secure where applicable. International transfers, including SEPA credit transfers in euro, are available per the bank’s arrangements, with fees and limits set in the published tariff. Pricing is defined in the bank’s schedule of fees and charges, with costs applied to selected services such as cash operations, interbank ATM withdrawals, urgent transfers, and some cross-border transactions. The branch network is local, and service hours and availability of auxiliary services are determined at the branch level.