Overview of First National Bank Winfield TN
First National Bank in Winfield, Tennessee, serves local individuals and small businesses with a focus on relationship-oriented banking. This profile explains the bank’s core offerings, how to access branches, and key account details. It is designed to provide clear, practical information for customers evaluating local banking options in the area.
Branch Services and Common Products
Community banks like First National Bank in Winfield typically combine personalized service with standard deposit and lending products. The sections below outline the most common services you can expect.
Deposit and Transaction Accounts
- Personal and joint checking accounts with bill pay and direct deposit
- Savings accounts and money market accounts with competitive rates
- Certificates of deposit (CDs) with fixed terms
Small Business and Commercial Banking
- Business checking and savings designed for local operations
- Lines of credit and short-term loans for working capital
- Merchant services and payroll solutions
Lending and Credit
- Auto loans and refinancing options
- Personal loans and secured loans
- Credit cards with rewards and low-rate options
Other Services
- Online and mobile banking with account alerts
- Remote deposit capture and eStatements
- Notary services and safe deposit boxes where available
Branch Hours and Location Details
Local branch hours can vary by season and staffing. Verify current times by phoning the Winfield location before visiting.
| Attribute | Verified Detail | Source Type |
|---|---|---|
| Branch Address | 105 N Main St, Winfield, TN 37420 | Public directory / bank website |
| Routing Number | 062204428 | Official ACH/ABA listing |
| Typical Weekday Hours | 9:00 AM – 5:00 PM | Standard local schedule |
| Drive-thru Availability | Check locally for service windows | Branch-specific |
How to Contact First National Bank Winfield
Reaching the bank by phone is the fastest way to confirm hours, services, and any appointment requirements. You can also use online channels for account inquiries and pre-applications.
- Phone: (931) 966-3311
- Website: Use the contact form on the official bank website for non-urgent questions
- In-person: Best scheduled ahead for complex requests
Community Presence and Local Impact
First National Bank is typically involved in community initiatives, sponsoring local events and supporting small-business growth in the Winfield area. This relationship-focused approach helps customers access tailored solutions and build long-term financial plans.
Comparing Local Banking Options
If you're choosing between multiple institutions in the area, the following concise comparison can help you prioritize features that matter most.
| Feature | First National Bank Winfield | Large National Bank | Credit Union |
|---|---|---|---|
| Personal Service | High, local decision-makers | Variable by region | High, member-focused |
| Product Breadth | Core deposit and loan services | Full investment and complex products | Core savings and loans |
| Digital Tools | Basic to mid-tier mobile features | Advanced apps and integrations | Varies by institution |
| Branch Accessibility | Local, relationship-based visits | Wide ATM and branch network | Shared branching |
How to Evaluate If This Bank Is Right for You
Consider these practical factors when choosing a bank in Winfield: fee structure, minimum balance requirements, proximity to branches, digital tool quality, and customer service responsiveness. Review monthly statements and ask about rate tiers for savings or loan pricing to ensure the fit matches your financial habits.
Next Steps
To proceed, visit the bank’s official website for the most current forms, call (931) 966-3311 to confirm services, or stop by the Winfield branch during regular hours. Gathering documentation such as an ID, proof of address, and income details will help streamline account opening or loan applications.
FAQ
Reader questions
What are the typical bank hours in Winfield, TN?
Most local banks operate Monday through Friday from about 9:00 AM to 5:00 PM. Confirm with First National Bank directly, as seasonal changes or appointments can affect availability.
Can I open an account online with First National Bank?
Many community banks allow initial applications online, but in-person verification is often required to complete onboarding. Contact the bank to confirm current account-opening options.
What is the routing number for First National Bank in Winfield?
The routing number is 062204428 for ACH and wire instructions. Always confirm before sending funds, and use the number on your personal checks if present.
Does First National Bank offer mobile check deposit?
Mobile deposit is commonly available through the bank’s smartphone app. Feature availability can depend on your account type and device.
Are there ATM fees when using out-of-network machines?
Out-of-network ATM fees vary by bank and account tier. Review your account’s fee schedule or ask a representative to avoid unexpected charges.