They were there to protect us from another banking crisis.
But most of us didn't do anything wrong. We repaid our loans and took out new ones.
Now we are hearing that banks don't want to deal with most farmers. In particular, they don't want to do business with tillage farmers. They are not interested in tillage farmer groups and it seems now that they don't want you as an individual farmer either.
If you are a dairy farmer, they are only delighted to offer you low-interest loans and little or no fees and charges. But if you mention the M word - machinery - they are just not interested. Maybe what I'm hearing is wrong, but I am hearing it more often.
We recently received a letter outlining the new changes in fees and charges. I was shocked at the increased rates.
All these increases are on one side. If you happen to have money in a bank account, the deposit rates are shockingly low - I have even heard of negative interest rates.
Meanwhile, they are shutting all the teller windows inside the bank, so you have to queue for half the day to actually talk to a human.
If you happen to have a few transactions and finish by saying to the bank employee that you also have a cheque to lodge, then you will be quickly told to put it in the quick lodge, as they don't lodge cheques anymore.
I am all for using technology and online banking, but I recently spent four visits to our local bank trying to set up a link as a new payee online for our account in another bank.
In other words, I would effectively be paying myself, but I was told it couldn't be done as what I was looking for was too complicated.
I also had reason to ring the business centre in one bank and was left on hold for 20 minutes. When I got through, I asked the very nice man at the other end of the line, was it okay if I put him on hold for 20 minutes?
He said he wouldn't be able to stay on the line as he was too busy. I reminded him that it was the business centre that I rang and that every customer that rang him was doing business and therefore we are all busy. Why is his time more precious than mine?
Are these not the banks that we, the taxpayers, bailed out? Are these the same banks that are now back giving big bonuses to their top executives?
Did we learn nothing? How is it fair that the people that did nothing wrong are the ones that have to pay for the sins of others?
Why are our tillage farming leaders not addressing this issue?
And as this is strictly a personal opinion piece, I would be more than happy for any bank to prove me wrong by offering me a reasonable rate loan.
Philip and Helen Harris are tillage farmers in Co Kildare. Follow P&H Harris on Twitter @kildarefarmer