The Stephenson National Bank & Trust Bralick Way, Oconto

I am an Army veteran living in North Carolina who will be moving to Wisconsin. I plan to build a retirement home in Oconto County (Abrams). After speaking with prospective builders, I was given Stephenson bank as the most likely source for a mortgage ( I always like dealing locally - since I will soon be a member of the local community). I spoke with Bob Schwartz and he directed me to the web site - he told me NOT to do a construction loan for my home which will be built - but to use a refi loan. I started the on line application - but was called away - since I was doing this from work. When I returned - that application had timed out - BUT I noticed an email from my Credit monitoring service - which indicated activity. Upon investigation I discovered that someone ( Stephenson Bank) had pulled my credit - but how could that be - I did not provide a full social and I did NOT check any blocks authorizing this "hard pull". At that point I had spoken to 4-5 banks over the course of 3 -4 weeks and was NOT ready to begin the hard pulls since I hadn't made my decision. I called Bob Schwartz and conveyed my concern - I had also spoke to the credit monitoring service and the credit monitoring agency. I was told the Bank could withdraw the hard pull and I could continue searching for my construction loan. Bob Schwartz informed me he could NOT pull back the request. I then asked to speak to a bank manager and was directed to Ms. Debbie Franklin. After explaining my situation - she informed me that Stephenson Bank would NOT pull back the credit request. Needless to say - I was flabbergasted ! I was prepared to loan $550,000 for my home loan and probably $500,000 to $1,500,000 for my farm to begin hemp production. I would never consider doing business with a bank that does not have the customer's interest at heart. I would be interested to see what the Vision Statement for Stephenson bank is - they likely are NOT customer focused. Sorry Stephenson - I'll be banking with your competitors.

Highly recommend for everything except online banking! Stephensons was there to assist me when other banks showed no ambition.

Love the ladies. They are extremely friendly. Went there for work but liked the atmosphere I switched them to my main bank!

Friendly employees. I have been banking there over 15 years . Great financial institution!

Very disappointed that the CDs do or will not automatically renew. AND that there will be no interest added if not renewed.

Worst bank ever, if I could give zero stars I would