I have banked with Farmer''s State Bank for a long time. I was drawn in when they offered Loyalty checking and at one point had much more money with them. But, they don't cash US Savings Bonds. I couldn't believe it. They also charge for them to withdraw money if you want a check. It's only I think $5. Or $7 dollars. I thought a bank would offer those services without cost. They do have some really service minded tellers that are very customer oriented and customer friendly, and they do the best that they can, but the bank makes it difficult. I have been accepting of all those things. I am a loyal type person and have been sticking with them because of their tellers but I am about to leave completely. I thought they would continue to be like a small town banks, but their policies make it hard for me to remain loyal. read more