Farmers and Merchants has been the worst bank experience I have ever had with any bank ever. They have never given me a card for my account (always saying the applications are being processed), their online banking system is always down and when it works, they remove posted transactions and switch transactions around trying to put you in overdraft (like Bank of America used to do before the Government had to sanction them) so if you have too many transactions going through at once and you don’t pay close attention, then you can get into trouble with your balance and they won’t hesitate to charge you excessive overdraft fees if that happens. The one good thing I can say is that some of the bank tellers are nice and professional. I give this bank a single star for that reason alone. Otherwise it would have zero stars.