Online and Mobile Banking will be undergoing scheduled maintenance during the early morning hours on Sunday, March 26. Users may experience periodical outages causing Online and Mobile Banking to be unavailable. We apologize for any inconvenience.

Hurricane Relief Resources

Our First Expansion into Polk County

Our Winter Haven location was the first Wauchula State Bank office opened in Polk County. It is not a typical bank branch.

We call it a Business Lounge, which facilitates partnership with business owners and enables us to help them advance the way they grow their businesses. At our branch, innovative technology combines with personal service and traditional values designed to make the banking experience easy, secure, and convenient.

Wauchula State Bank Winter Haven location

Proudly Serving

Polk County
Winter Haven
Central Park
Cypress Gardens
Eagle Lake
Haines City
Lake Alfred
Lake Hamilton
Lake Wales

Services at Our Winter Haven Office

Tap our experience to answer your questions and help with your financial needs. No matter what your personal or business goals may be, we are here to help:


Personal Banking

Our customizable checking and savings account options are tailored to your life and financial plans.


Business Banking

We have been supporting local businesses for 90 years, so we know what area businesses need and how to support them.

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All three of our different checking accounts can be started with an initial minimum deposit, with two of the three paying interest.

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We can help you plan for the future with a variety of interest-gaining savings accounts, all federally protected.



Control your bank accounts via computer, tablet or smartphone saving stamps, paper and time, all safely and secure.


Treasury Management

We customize our Treasury Management plans to your business needs, letting you focus on growing your business.


Consumer Loans

Our personal loans can help with debt consolidation, bills, home upgrades, large expenses, and more.


Working Capital Lines of Credit

We offer continuous lines of credit with terms tailored to any business needs you may have.


Wealth Management Services

We offer top-notch, expert investment services with the focus on you, that is expected from a community bank.

A Community Bank Dedicated to You

A Premier Bank

We operate by a strict, written set of standards and principles known as our Mission, Vision, and Values. Our Mission is to make banking easy, secure, and convenient. Our Vision is to be the premier bank in Central Florida, and our Values include integrity, service, teamwork, leading edge, excellence, and community.


Dedicated to Our Customers

This sets us apart, along with our history, our team, our products and services, and our loyal customers. We are dedicated to serving individuals, families, businesses, and nonprofits in our local communities, and we are proud of this commitment.


Meet the Winter Haven Team

When Robin joined Wauchula State Bank in November of 2019, he brought more than 30 years of banking experience, including proficiencies in lending, underwriting and loan management.

Robin Carr

Commercial Banker

 A sixth-generation Floridian born in Lakeland, John attended Bartow Senior High School and earned a Business Administration Degree in finance from the University of South Florida.

John Laurent

Commercial Banker

Mark is driven by helping his customers succeed in their business by offering solution-minded ideas.

Mark Delaney

Vice President & Commercial Banker

Amy enjoys working with commercial customers, saving them time and money by helping them utilize Wauchula State Bank's treasury management products to grow and maintain their businesses.

Amy Thompson

Business Banking Officer

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