Minimum opening deposit is only $25. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Up to $10 for checks and debit cards 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 10/8/23. One Ninja^® Dual Brew Pro System Coffee/Tea Maker will be awarded at each Galesburg, Brimfield and Monmouth office. Odds of winning dependent upon the number of entries. Need not be present to win. Retail value $239.99. No cash equivalent, substitution or transfer of prize permitted. For complete information visit www.thefmbank.com/officialrules.