I went in to F & M Bank to open a business account and had $500 to put into the account. The teller…read moreasked me to fill out some paperwork and after doing so she stepped away for about 15 minutes. When she returned she said that I could not open an account because of my credit score. WHAT!!!!! My personal credit score (which was in the high 600s) has nothing to do with my business. I promptly went to Dupaco and they were more than thrilled to have my business and money. DO NOT DO BUSINESS WITH THIS BANK!! WE KNOW MANY PEOPLE IN MANCHESTER AND EVERYONE WE COME IN CONTACT WITH, WE TELL THEM TO NOT DO BUSINESS WITH THESE PEOPLE OR THIS BANK.

From the owner: A locally owned institution since 1925, F&M Bank has experienced prudent and strategic growth. F&M…read morecontinues to serve Manchester, Cedar Rapids, Anamosa, Monticello, Lino Lakes MN and Vadnais Heights MN.

We've banked at CSB since we moved to the area in 2014. In that time we have always found the staff…read moreto be welcoming and cheerful. Recently the bank moved into a new building. It is as bright and cheerful as the staff. Still, you choose a bank for service more as well as people, and that is what we have found here. When we've had a question about mortgage rates and refinancing, we got terrific service from loan officer. Most recently rates hit historic lows and she was there to guide us through the process. Thanks to technology, we easily did all the paperwork online. We followed that with one final in-person meeting to close. Stop in, appreciate the beautiful new building and enjoy fine banking service.

I've been a customer of this bank for some time, and no wonder. This bank is a big deal! I know…read morealmost all the staff and never have to worry about being recognized when I walk through the door. The staff goes above and beyond, as exampled by this experience with Jordan, Assistant General Manager in La Crosse: I brought to Trevor, the initial associate I encountered, my check to cash, written to me on the account of another bank, representing the remaining balance on an automobile purchase; so, an amount that I was eager to obtain immediately. Trevor was truthful, informing that I could deposit the check with a one- or more-day hold, pending verification of funds: standard precautionary procedure. I've known Jordan since day one of my association with Citizens State Bank. Trevor took my check matter to Jordan, who elaborated on the reason for the hold: bad checks and overdrafts, me left holding the bank bag, all that sort of thing. In desperation (I know he felt it in me), I meekly suggested phoning the issuing bank to verify funds available with a simple phone call, which to my great relief he did for me! Having obtained that verification, he was able to authorize immediate release of the funds. I couldn't have asked for better nor more expeditious service, and doubtless could not at any other financial institution have received it. To say the least, I salute the attention that the staff in La Crosse has paid not only my feeble attempts at banking, but to me as a customer. Cash to coffee (perhaps someday I may be able to say 'dollars to donuts'?), this Citizens State Bank puts out the welcome mat for customer satisfaction.

The people are very nice and able to help with all concerns. Also can get a free iced coffee…read moreanytime. If thats not ur thing you can get coke or mountain dew with a limit of 2 per person. Make sure to get ur punch card punched so u get a free tumbler cup.

Mark Dahlke at 2 Copeland Ave. here in La Crosse gave me such great advice in transferring my 401K…read morefrom my previous job. Very knowledgeable and trustworthy! NKT