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WNB Financial

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Private Banking

Michael Garves
Winona Downtown
Private Banking Officer
Jill Sill
Private Banking Officer

Personal, proactive, and expert service at your convenience

Private Financial provides a comprehensive set of financial services, individually customized to deliver financial solutions for customers with demanding responsibilities and busy schedules. Your Private Financial team has a full range of solutions to meet your needs. We have the ability to provide you with financial tools, more favorable rates, and customized investment opportunities that could improve your overall financial position.

Deposit Services

Private Reserve Checking and Private Reserve Money Market offer more favorable rates with the safety and flexibility of a FDIC-insured account. These products are available exclusively through Private Financial and offer you:

  • Full liquidity
  • Consolidated monthly statements with check images
  • Free Private Reserve checks
  • Unlimited check writing privileges
  • Debit card with higher daily limits
  • Overdraft protection
  • Tiered interest rates on Private Reserve Money Market
  • Free Digital Banking
  • Free Bill Pay
  • FDIC insurance

Borrowing Services

We offer several borrowing solutions. Whether it’s for a new home, home improvements, or a customized loan specifically tailored to meet your personal or business goals, we have the solution to meet your needs.

Private Financial offers:

  • Private Reserve Home Equity Line of Credit: a competitively-priced, interest-only HELOC
  • Private Reserve Line Of Credit: an unsecured line of credit with terms tailored to meet your needs
  • Customized mortgage loans
  • Customized personal and business loans



WNB Digital

Security you can bank on. Banking has never been easier now that you can do it from any device, any time! 

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Business Banking

Everything you need to run your business right at your fingertips! Bank anytime, anywhere, from any device.