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 YETI Tundra 35 Hard Cooler.
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 8/17/25. One YETI Tundra 35 Hard Cooler 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 $275.00. No cash equivalent, substitution or transfer of prize permitted. For complete information visit www.thefmbank.com/officialrules.