Minimum opening deposit is only $25. Ask us for details. Bank rules and regulations apply. Other fees such as Insufficient Funds Charge, Overdraft Item Charge, etc. may apply. See Schedule of Fees for details. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. 

*No purchase necessary to win and will not increase your chances to win. Entrants must be 18 years of age or older. Limit one entry per person. F&M Bank, Division of CBI Bank & Trust, employees and their immediate families are not eligible to win. Entries accepted through the close of business on 8/18/24. One Yeti® 45 Tundra® Cooler will be awarded at Galesburg Main, Monmouth, Brimfield, and at Galesburg Henderson and Galesburg Seminary Square combined for a total of four prizes in all. Odds of winning dependent upon the number of entries. Need not be present to win. Retail value $300.00. No cash equivalent, substitution or transfer of prize permitted. For complete information visit

Visit your neighborhood branch to open a checking account today!

Contact any of our offices in Galesburg, Brimfield, Monmouth or Peoria to get started with an account from F&M Bank.

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The best free checking from the local bank that loves community.

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F&M Bank
F&M Bank
(309) 343-7141(309) 343-7141
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Absolutely Free Checking
(for businesses, too!)

No minimum balance

No monthly service charge fee 

FREE Debit Card

FREE Online Banking

FREE Bill Pay

FREE Mobile Banking 

FREE Mobile Deposit 

FREE ATM withdrawals at F&M Bank ATMs or SHAZAM Privileged Status® ATMs

FREE eStatements with online check images

Check buy back

Bring in your debit cards and unused checks from your current account at another financial institution. We'll buy them from you for up to $10. 

Check buy back

Enter to win

Open a new checking account and you'll be entered to win a Yeti® 45 Tundra® Cooler.*

Win a Yeti® 45 Tundra® Cooler