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 - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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