NEKS: The Bank is question had invested time and effort to make the money/loan be available to the farmer/individual. The fact that they did not use any of that money does not make the cost of getting it ready to be available, go away. With interest rate low a simple filing fee can eat up any short term interest earned on a loan. So these costs are being passed along to the user.
There are many thing about "Modern" banks that I dislike and think should be illegal BUT your example and Super-H-Mike's really are just standard business practices that are in now way "wrong".
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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