Hours: Lobby: Monday-Wednesday 9:00 am- 3:00 pm Thursday 9:00 am – 5:00 pm Friday 9:00 am – 5:00 pm Drive up: Monday-Wednesday 8:30 am- 4:30 pm Thursday 9:00 am – 5:00 pm Friday 8:30 am-5:00 pm ATM Locations: 505 Lake Street Northeast Security State Bank of Warroad is your full service financial institution in the Lake of the Woods area. Now you can do all of your banking online at our new website! We have online bill pay, and internet banking available to you 24 hours a day.