I suppose in the Butler area there's not as many banking options as elsewhere but I can't in good…read moreconscience recommend Citizens. For small, unimportant, routine transactions they seem to be ok but for anything big and important they tend to let me down - and isn't the whole point of paying a bank to have their help securing your most important and valuable assets? Trust and competence are absolutely necessary.

I have been a customer for many years and have never experienced a problem. People have been…read morefriendly and helpful and I would recommend them to anyone.

The yester years of a good Credit Union called Armco are gone!! I suggest a new Credit Union and…read morenot to go to this one. They do not treat their customers as they should. There are far better credit unions. Navy Federal credit Union and Apple Federal credit Union are two just for starters. I would not even rate this one star but since I have to, it gets one star.

Love this bank, have been a devoted customer for over 20 years. Wonderfully kind employees.read more

I have an auto loan with Farmer's National Bank presently and I would not ever, under any…read morecircumstances, do repeat business with this bank. They assessed me a $150.00 prepayment penalty on the account for attempting to pay it off early. I have paid off every auto loan I've ever had with other banks, and none of them charged such a penalty. I called to try to have it waived and was redirected through numerous people over the course of a couple days. I now have to pay 32 cents per month by check for the next six months because the account balance is $1.90, and if I pay the remaining $1.90 immediately the $150.00 prepayment penalty will be assessed. Take your money elsewhere, not to Farmer's National Bank, unless you want to deal with ludicrously unwielding customer service and predatory lending involving prepayment penalties. There are plenty of other banks (most, in fact) who will NOT charge you such a fee. Had to give one star to leave the review, since zero stars isn't an option.

I have an auto loan with Farmer's National Bank presently and I would not ever, under any…read morecircumstances, do repeat business with this bank. They assessed me a $150.00 prepayment penalty on the account for attempting to pay it off early. I have paid off every auto loan I've ever had with other banks, and none of them charged such a penalty. I called to try to have it waived and was redirected through numerous people over the course of a couple days. I now have to pay 32 cents per month by check for the next six months because the account balance is $1.90, and if I pay the remaining $1.90 immediately the $150.00 prepayment penalty will be assessed. Take your money elsewhere, not to Farmer's National Bank, unless you want to deal with ludicrously unwielding customer service and predatory lending involving prepayment penalties. There are plenty of other banks (most, in fact) who will NOT charge you such a fee. Had to give one star to leave the review, since zero stars isn't an option.

Customer service is great. Friendly, helpful staff. I don't know who was working there when the…read moreprevious reviews were made but they've definitely had a changing of the guard, so to speak. I really like these folks!

Poor attitude. Rotten Customer Service. Severe arrogance on part of the manager. Withdrew money…read morefrom their ATM. Did not mind having to pay the $3.50 fee because I do Not have an account there. My ATM card hung up in the machine. Credit Union open at the time. Walked in with my identification to retrieve MY card. "We do not return cards". I offered for them to call my hometown bank to verify its my card, and who I am. Was told "we will not return the card, since you don't have an account here". Could not get any explanation as to why and they would not discuss it. "We don't have to explain why we do anything, it's our policy. ". "You will have to get your bank to order a new one, we are not giving it back" Been Polite, Professional, Nice. What I got in return is BS. Thank You Very Much.

I attempted a business account with them to be able to accept credit cards for my rental business…read more The system they use online was so complicated and high tech you need a computer degree to navigate it. As I was trying to navigate the system, putting in about 25 or more hours and learn it all the time being frustrated, I gave up. My account was charged over 475.00 for ann. fees and services. Mind you I only ran one credit card in the 2 months I banked with them. When I was informed there would be an additional monthly fee for computer compliance I gave up, closing the account pulling all my money from the bank. I was given the runaround when asking for some of my money to be refunded.