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 12/1/24. One 10.9-inch Apple iPad^® 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 $349.00. No cash equivalent, substitution or transfer of prize permitted. For complete information visit www.thefmbank.com/officialrules.