F&M Bank FREE Checking Accounts
The best free checking accounts from F&M Bank, the local bank that loves community!
Absolutely Free Checking with no monthly service fees or minimums at F&M Bank
(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 and CBI Bank & Trust ATMs or SHAZAM Privileged Status® ATMs
- FREE eStatements with online check images
Enter to Win
Open a new checking account and you'll be entered to win a Blackstone Bundle - 28" Omnivore Griddle with Hard Cover, Griddle Cover, and Black Spatula Set
Compare Personal Checking Accounts or Compare Business Checking Accounts
Visit your neighborhood branch to open a checking account today! Simply get in touch with any of our offices in Galesbubrg, Monmouth, Brimfield or Peoria to get started with an account from F&M Bank. Or open your account online by selecting the Open Your Account button below.
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 6/22/25. One Blackstone Bundle - 28" Omnivore Griddle with Hard Cover, Griddle Cover, and Black Spatula Set will be awarded at Galesburg Main, Monmouth, Brimfield and Peoria combined 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 $250.00. No cash equivalent, substitution or transfer of prize permitted. For complete information visit www.thefmbank.com/officialrules.