We came to this bank for our home loan and were pleasantly surprised. The whole process has been…read moresimple. We were treated wonderfully from the time we were greeted at the door until the paperwork was signed. If you are looking for a seamless process meet with Tracy.

Farmers and Merchants is a fantastic hometown bank. They have been apart of our St. Clair community…read morefor over 100 years! They help our town whenever possible. FMB has first responder dinners every year, they have customer appreciation banquets for their customer, they participate in any festivals or events held on Main Street, they are always the first to donate to any fundraiser, they put together a program that funded our new electronic school sign, which looks very nice and they have some of the nicest employees. We have 3 banks in St. Clair currently and FMB is the ONLY bank that puts this much time and money into its town. The new location they are building is top notch, a great addition to St. Clair! My favorite part is when I walk into FMB, it's kinda like I'm walking into Cheers, where everyone knows my name. If you have any issues here, they will quickly address your concerns. Unfortunately they have guidelines and regulations to follow just like any bank. Don't get upset if they can't help you but I promise they will if they can!

If you are a business owner, or in need of a business loan, do NOT come to this bank. Their rates…read moreare not competitive, they WILL give you bad advice, and force you to sign documents under duress. They will lie to you and leave you with a deteriorated financial condition. Also, Consumers have no rights when it comes to Commercial loans, so everything they do is legal. Buyer beware, stay away from Farmer's and Merchants Bank.

this bank is so outdated and the app is so hard to use. when you're younger than 18 you're not…read moreallowed to spend more than $100 a day this fact was not told to me or my parent when I called to ask they then told me this fact. The app will randomly lock me out of my account for days or months at a time. One time the app locked me out for so long that when I called to ask they told me that my account was locked and I had to make a new password to access it. this app does not work well with cash app I have tried to get my money from cash app into my account multiple times but it keeps telling me my password and username are wrong for my banking info. when I turn 18 I will definitely be switching banks.

My parents banked with this bank for over 22years..I have had good loan experience with them .but…read morethe tellers are another issue....They don't look at checks to see if you want to deposit money or cash it..Repeatedly problems and mistakes... Tellers look like they slept in their clothes..rips wrinkles..no makeup..look hungover..not professional by any stretch...I only have small savings account with them now..just to cash checks.TOO MANY MISTAKES Have discontinued deposit slips..if you deposit cash..like I do ..no record of how much you give teller..her word against yours..NO WAY!!!!

Great bank that is truly focused on being the best community bank in Franklin, St Charles and west…read moreSt Louis Counties. Their senior management team is accessible to all.

I'd give ZERO stars if that was an option. This bank is an absolute JOKE. It nickel and dimes your…read morefor everything and the customer service (and basic counting skills) are pitiful. Twice, within two weeks (same teller), I had my money (from a business deposit--cash) come up over $400 short when I went through the drive through. I count money for a living.. so was very concerned when the drive thru teller suggested I was short at all. I went into the bank and requested that they count the money out with me on the counter. They informed me that they could not do that, and that the money counter machine had already "eaten up my deposit." They would not know the numbers or any discrepancies until the end of the day. Guess who never got her money back?? ME... I'd love to know where that money ended up!!! Different issue: I had a fraudulent purchase made from my business debit card and called in to report it. The fraudulent purchase was close to $100 and made to a Bar and Grill across the country. Never mind that I've NEVER been to that state, it was also clear that NO other purchases were on my account from that state. No hotels, no car rental, nothing. In fact, I was still using my card locally on that same date. That would seem pretty obvious to me, but I suppose we aren't all masterminds here. Once I placed the call to flag the fraudulent purchase I was informed that they do not offer any sort of fraud protection for business accounts. Yeah, so I am out that money?! Unreal. Another issue: I am a business and typically I print my own checks at our HR with a check printer (yes it's 100% legal). I had ran out of ink for it, and needed counter checks to get by until I could replace the ink. I also work approx 100-120 hours a week, and I did not have a chance to get the ink replaced for a couple weeks. I went in a few times for some counter checks, in which they made me purchase $.10 a piece, no big deal. The second week the lady told me I could not purchase any more counter checks from them. And rudely stated "That I needed to figure something else out because they aren't in the business of check printing." Final straw: Today I am doing some bookkeeping. I was unable to locate a couple of bank statements, so called in to see about getting some emailed to me. They informed me that they would be charging me a "research fee" at the ridiculous rate of $30 per hour with a $15 minimum. Whoa!! As if that wasn't mind blowing enough, I was told they couldn't email me the statements (to the email THEY HAVE ON FILE) -- even though I have had a business account there since the beginning of 2023 and they clearly know who I am!!! I'm so done. If you're thinking about banking here... think twice. There are plenty of more reputable banks in town that don't feel the need to nickel and dime you to death, and actually understand what it means to have customer service. They also know how to accurately count cash, which is a definite plus for a bank. LOL

From the second we walked in Everyone had lifted spirits despite it being a cloudy/ muggy day…read more There was no wait for the notary, over all a really wonderful experience and a wonderful staff.

From the owner: Smart. Friendly. Solutions. Checking, Savings, Loan/ Credit Products, Business Products, Investment…read moreServices, Insurance

Highly recommend this bank for a home loan. Excellent service from Jennifer and Tracy. Made the…read moreprocess so easy and very patient with us.

Very welcoming. Greeted and offered direction. Will definitely return. Plan to open an account in…read morethe near future.