This tree is very vigorous and precocious with an upright but somewhat pendulous habit. Winter Banana has a reputation for being an excellent pollenizer, and it is partially self-fertile. Its stand-out quality is, however, an exceptionally low chill requirement (under 400 hours) coupled with heirloom-quality flavor. This tree is an excellent choice for warm-winter climates such as coastal California and the southern states. It is somewhat susceptible to all major apple diseases. Crops should be thinned for optimal quality and to maintain annual bearing

The late-season apple is large and round, with a beautiful pale yellow skin that is blushed a delicate pink and speckled with pale lenticels. It is sometimes seamed from the calyx to the stem cavity. The flesh is pale yellow, firm, and somewhat coarse, with a mild and aromatic flavor. The famous banana perfume will be noticeable only if the fruit is fully ripened. In 1925, Ulysses P. Hendrick described the unique aromatics as “a suggestion of musk exclusively the property of this apple.” While the flavor is too mild to appeal to most bakers, the apple will store well for about two months and it is well liked by cider makers. It should, however, be handled carefully, as the thin skin bruises easily.

This variety first appeared on the farm of David Flory in Indiana in the 1870s, and it was introduced to commercial markets in 1890. Its parentage is unknown.