If only THREE wires (hot, hot, neutral) into the main panel, then the NEUTRAL AND GROUND *MUST* be bonded in that panel. No where else.
If FOUR wires (hot, hot, neutral, ground) into the main panel, then the NEUTRAL/GROUND bond is at the meter base, and NOT in the main panel.
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@john in la has the four-wire scenario, and his bond should be in the meter base; I (and the OP) have the three-wire scenario, and the bond is (should be) in the main panel.
Most current codes require four wires from the meter base into the main panel. Whatever code was in effect at the time of installation means the installation does not have to meet current codes, unless upgraded, selling requirements, insurance requirements, etc. It appears the OP's (and my) installation would be grandfathered in.
So, the OP needs to determine if the neutral and ground are actually bonded in the main panel. There should be either a tie bar between the neutral and ground buss bars or green screw through the buss bars to the enclosure, or some other means.
New installations or upgrades, I think, have to meet the current code for your location, and the AHJ has the final say. zuhnc