What are the opening hours?

Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

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Bank of Central Florida

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Bank of Central Florida

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Bank of Central Florida, Bank, 201 3rd Street SW, Winter Haven, FL.

10/29/2026

Thanksgiving will be here before we know it, and we appreciate organizations like the One More Child team who support those in need. Our team recently helped One More Child pack up food for our community, and it’s uplifting to see a small portion of the work they do.

Local Impact is achievable by serving others and helping the community.

10/27/2026

Presenting our Brandon Commercial Relationship Manager, Jonathan Oliver!

Since his start in banking, he understands the importance of a dependable banking partner.

“Getting to know the people behind a business and helping them turn an opportunity of challenge into a practical plan. The relationships are what make the work rewarding.”

Connect with Jonathan using the link in the comments.

10/15/2026

Becoming a victim of fraud starts with the push of a button.

With businesses utilizing online communication like email, it’s important to know common fraud practices before you click.

To learn more about email spoofing, read our recent blog post using the link in the comments.

Member FDIC

10/09/2026

Did you know that Columbus was not the first person to discover America?

While he still sailed the ocean blue in 1492, it was Leif Eriksson who landed in North America first around 1000 AD. As Columbus Day became a national holiday in 1934, it became one of the most common misconceptions surrounding the holiday’s origin.

As a friendly reminder, our offices will be closed on Monday, October 12th in observance of the holiday. Our operations will return to normal on Tuesday, October 13th.

10/08/2026

Approximately 96% of phishing attempts are done through email.

With all the emails being sent today, being educated on phishing and spoofing attempts are necessary. That’s why we highlighted what you need to be on the lookout for in our more recent blog post.

Read all about it using the link in the comments below.

10/08/2026

Women in leadership can empower the community, and the ATHENA Awards celebrates their impact. We were honored to attend the Lakeland Chamber’s annual luncheon to commemorate the excellence of local female leaders.

We appreciate the female leaders in Polk County and the Lakeland Chamber team for hosting us!

10/05/2026

Meet Shannon Stinson, our new Professional Relationship Manager!

As a lifelong resident of Polk County, Shannon serves clients in Winter Haven with her deep understanding of the local market. Her extensive knowledge and 26 years of banking experience allows her to provide the right personalized financial solutions.

Connect with Shannon using the link in the comments below.

10/05/2026

10/01/2026

It’s all about people.

Taking the time to form relationships can help businesses for the better and Lauren Fernandez’s passion for serving small businesses has grown to become a part of her identity. Her recent discussion with our team highlights how relationships with small businesses in Tampa Bay creates a space for innovation and continued growth.

Read all about Lauren’s discussion about the map of surrounding businesses with local support using the link in the comments.

Member FDIC

09/25/2026

Community starts with the people involved.

Progress doesn’t happen overnight, but the partnerships involved can drive advancement towards community growth. Central Florida Development Council’s Annual Meeting highlighted the impact local leaders have made this year, and we are excited to see what they do next!

09/04/2026

Put away the white clothes for Labor Day!

In the late 19th century, wearing white clothes after Labor Day was seen as unfashionable with the end of summer. While we enjoy living in the state of endless summer, we hope you can celebrate with some rest and relaxation!

In honor of Labor Day, our offices will be closed on Monday, September 7th. We will resume normal operations on Tuesday, September 8th.

08/24/2026

Day 1 of this week's grind fueling growth.

Our team is taking the time to be in the community, so they can continue building relationships in the local market.

08/21/2026

What is a treasury office call?

It’s not a phone call or email; it’s an in-person visit from a Treasury Management expert right in your city.

Treasury Management Team Leader Miranda Pedersen knows the importance of supporting clients, and treasury office calls are the key to fostering quality client relationships.

Read our recent blog post to learn more about how Miranda and her team help clients work towards their financial goals.

08/18/2026

Connectivity with clients translates to a better client banking experience.

Having a Treasury Management professional like Abel means having cash flow management solutions right in your city.

Learn more about Abel and his dedication to clients in our most recent blog post.

Link in the comments.

Member FDIC

08/11/2026

Protect your assets with a local Treasury Management expert.

Since joining the Bank of Central Florida team, Abel educates clients how to manage their cash flow more efficiently and protect their cash flow from fraudulent threats.

Read more on Abel’s Treasury Management journey at Bank of Central Florida.

Link in the comments.

07/30/2026

Polk County is known for its many organizations that empower the community.

We had the opportunity to visit the teams at Lakeland Volunteers in Medicine, Alliance for Independence, and Volunteers in Service to the Elderly this week, and we are encouraged by how each organization supports underserved individuals. Their impact goes beyond what they provide: it helps support our community for the better.

We enjoyed being able to learn more about what these organizations do every day as part of the United Way agency tours, and we can’t wait to see what they do next!

Member FDIC

07/27/2026

Think about the last time you were paying with your card at a store: do you think you’re a victim of skimming?

Whether you’re paying for gas at the pump or grabbing groceries for the week, you could become a victim of skimming. Luckily, you can proactively protect yourself by knowing what to look out for when using a debit card.

For helpful tips about how to secure your accounts from skimming, learn more from our recent blog post using the link in the comments.

07/24/2026

Resolving issues quickly takes more than just a solution.

Allied American focuses on providing the right solutions to clients by working as a team, and they appreciate how Bank of Central Florida does the same thing as Allied American’s banking partner.

Allied American’s Vice President of Financial and IT Operations Laurie Mount is confident in the bank’s ability to provide customer-focused solutions when problems arise: “If we have any trouble, we can call anyone on the Treasury Management Team. It doesn’t matter what time of day it is; they will resolve our issues as quickly as possible.”

Read more about Allied American’s story using the link in the comments.

Member FDIC

07/23/2026

Skimming costs financial institutions and consumers more than $1 billion each year.

But what is skimming? According to the FBI, skimming is defined as the collection of personal data from devices installed in or on ATM’s or similar devices, like point-of-sale machines or fuel pumps. Small business owners know how important it is to keep their accounts protected from every angle while they are on-the-go.

At Bank of Central Florida, we focus on educating clients about fraud as one of the top priorities.

Read our most recent blog to learn more about how to protect your accounts from skimming fraud.

Member FDIC

07/22/2026

Growth is achieved by propelling forward together, and we are proud of the work our team does to better serve clients and the community.

Congratulations to our team on their outstanding achievements during the first half of the year!

Member FDIC

Address

201 3rd Street SW
Winter Haven, FL
33880

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+18635780335

Website

facebook.com

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