All of their personnel are very friendly, and they aren't exclusionists (for example, they don't require you to own a bank account with them to purchase money orders.) I would recommend them a billion times over a cold, egotistical, and unfriendly bank like Minnwest Bank. First Farmer's feels like a down-to-earth and welcoming family. I have never regretted my experience with them, and they have been my bank for nearly 9 years now.

They will find ways to assess fees.