My experience has been outstanding all around, not at all like reviews from 5+ years ago. I absolutely have been made to feel like a real human being - a valued customer, not simply "just another number" or anything else reminiscent of the big national banks. My questions were all addressed promptly and professionally. Paperwork was addressed quickly and easily and I did not feel that there was anything extra/unnecessary thrown in that was just a waste of time. Valuations of existing properties - and there have been a bunch - have been timely and accurate. Rates offered have been very competitive. Overall, I am very pleased to have been introduced to FMS Bank for my local development needs. They have enabled me to do my own construction work, use local businesses of my choice as subcontractors, and keep interest in the state instead of going who knows where. I can't say that about any other lender I've ever used. Their checking and savings are about what I'd expect for a bank of this size - easy to use, low/zero fees, decent online access, and no pressure to sign up for anything I don't need. If you are looking for that "small town bank" feeling where you are treated with respect, on a first-name basis, you will be pleased with what you find here. read more