Farmers and Merchants State Bank

My husband stopped to get some ones today. We don't have an account with them. So no go. How stupid. Cash means nothing. I was going to get an account with them being new to town. Nope I will continue to drive to my bank in st cloud.

I love my small town bank feel with a bigger bank community.... I can call and get a person right away. I am so pleased that they have an office near St Cloud so if I need to bank during business hours I can run over to Sartell and still get my needs met. I was with a larger bank for years. I wouldn't go back. Wished I would have switch when I first moved to the area. Thanks for making banking easy...

Jerod Spaude I have not seen a bank that would make change for someone that does not bank with them ever in over 60 years of living. Same for businesses unless u buy something from them.nI have been with this bank for over 20 years and they have always been very helpful and fair.

We have banked with F&M for years. We have always been treated fairly and pleasantly. They offer many choices for your financial needs. I love when you come in and they call you by name. They treat you with that personal touch that is missing from the big banks.

Dont ever stop at this bank. Cash means nothing to this bank, they wont break a hundred dollar bill unless u have an account there,