WNB Financial Main St, Winona

Small town bank, name change 3x in the last 20yrs, limited access outside of hometown area, strictly follows antiquated policies - no special consideration to long-time (25yr) customers, limited business hours, no added services to compensate for limited business hours (ie., night depository). In this day & age with unlimited access to more & more financial apps & prepaid & reloadable debit cards that compete for consumers with enticing promos, it's a wonder how this old fashioned bank remains in business. WNB Financial doesn't go above & beyond for customers or provide incentives to attract new customers or just retain those they have. I banked here for 25 years - one day I brought in a cashier's check from another local bank and wanted less than 10% of that check back in cash but was denied & offered only what I currently held in account & was advised that standard policy for cashiers check would be 2 days before funds available. A cashier's check is like a guaranteed check so I would expect that if a long time customer brought in a locally drawn cashiers check & needed less than 10% of that check for immediate withdrawal, the bank would accommodate. They ridiculously held to their rigid policy, holding check for 2 days before funds were available. I'm not talking thousands of dollars here either. It wasnt a personal check, I'm not a new customer, I had multiple forms of ID & an account in good standing, in addition to being well dressed & of good demeanor so I found it completely ridiculous that they wouldn't allow any amount for immediate withdrawal. I should have taken my business elsewhere that day but unfortunately this is only one of the customer service fails I experienced with this bank during my 25 years of patronage. Another being the time after my mother passed & I went in with the paperwork to close her accounts. Luckily it was the first time I'd ever had to close accounts for someone that died so I wasnt familiar with the process. Once they learned I was closing the account of deceased, you'd think the personal banker might offer a bit of compassion, extra patience, or even just friendly smile but that wasnt the case here. The woman was rude, clearly annoyed when I asked question about forms of ID needed for me & my mother, and condescending & short in her responses. I left in tears that day after the woman so rudely walked me through the process of closing the accounts. Just a little bit of patience & compassion would have made a huge difference - something I would expect from a 'small town, hometown, friendly bank' they are always so eager to boast they are. This is only 2 of the 5 or so notable fails I experienced with this bank over the years. I've since taken my business to an online service & have no complaints during my 1st year. They gifted me 75$ for opening a new account & provide free overdraft protection, among other incentives! Makes me wish I would have left the joke of an institute that is WNB Financial years ago. I DO NOT recommend this bank & will never return. I look forward to the day they go out of business.

I tried the new remote deposit. Beware, there is a $1000 limit on each check and a $2500 limit per month. It's in the agreement that you sign, but not prominently displayed in the advertising. I signed up to deposit my salary checks. I still have to drive to Winona anyway because they will not accept the check. Useless!

They are a great institution for banking in person but try to call them and talk to them on the phone forget about it they do not answer ever. They have great interest rates but their phones need to be answered.

Love the Lion bank. Great customer service Totally free checking

An amazing architectural monument of great historical value.