They are always very helpful and informative with getting taxes done. They make it quick and easy…read more Have been coming here for years and have yet to have an issue!

We dropped our taxes off and my lovely wife called last week(the week before being due on Monday)…read moreto see if they were done yet and the response was of the nature of "no, but we'll certainly call you when they are". She wanted me to call middle of last week, and I hate it when I get bugged about whether something is done yet while I am working on it, it makes it take longer as I have to stop and have a discussion on it instead of getting it done. Thus I refrained. Finally yesterday afternoon I called, after all taxes had to be post marked yesterday. I received the same response "no, but we'll certainly call you when they are, but I'll check anyway". The pleasant person came back on the phone and proclaimed "yes they were done and we have tried to call several times", so I went in to pick them up. We both have cell phones with working voicemail, so I am sorrily not putting much stake in this claim of calling either of us several times. One thing I noticed was a penalty we were being charged by the IRS for having to pay more taxes, ie: underpaying throughout the year. I asked about this and the lady proclaimed "a payment plan can be setup with the IRS". I did not ask about a payment plan, I asked about being charged a penalty for having to pay more taxes, but this was a bit of a tell. The amount owed was substantial, but I did not ask about that, so why bring it up when asked about a penalty? This kind of weighs on me that, they never called, I had to call and basically take care of all this last minute. Was this intentional, was someone being funny? I can see the humor in holding onto a tax return until a few hours prior to it having to be postmarked to stick it to someone who maybe isn't prepared, doesn't have the financial standing, or whatever, and it was a substantial amount, and they tried calling several times and my wife's voicemail was not working. Her voicemail worked for other people calling her. As much as I appreciate their sense of humor, but if being funny was their intention they obviously do not know me very well. The thing that I find humor in now is that I will never use Omer Tax Accounting again and will be more than happy to NOT recommend them to anyone. I recall dealing with Nancy Omer many years ago and she was awesome, very helpful, and very knowledgeable....

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.

Very professional and friendly staff. It may not have many branches but they make up for it with…read moreexceptional service.