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F&M Coronavirus Information Center

Content Updated on Wednesday, May 20

At F&M Bank, we place the utmost priority on the safety and welfare of our clients and staff.  We are proactively following news regarding the Coronavirus Disease 2019 (COVID-19) and are taking measures to keep you safe while providing you with access to vital banking services.  The purpose of this page is to provide you with current information on these efforts.

Please let us know if you have any questions or need assistance.  We promise to do our utmost to help you.  As always, thank you for the opportunity to serve you, and for your continued support --- it means the world to us!


Page Index Links:

Locations Access List

UPDATED 5/01/2020 – Governor Pritzker has signed Illinois’ modified stay-at-home order.  Effective today, individuals will be required to wear a face-covering or a mask when in a public place where they can't maintain a six-foot social distance. Face-coverings will be required in public indoor spaces, such as stores, banks and other essential businesses. This new requirement applies to all individuals over the age of two who are able to medically tolerate a face-covering or a mask. We will require anyone entering our lobby by appointment or walk-up facility to wear a face covering mask. As always, you will also be required to bring I.D. and may also be asked to briefly lower your mask if needed to positively identify you.

UPDATED 4/03/2020 As we continue to be mindful of the health and safety of our employees, clients and communities, we are temporarily modifying our hours at all locations until further notice.  We continue to limit service to our Drive-Up windows only (and to walk-up windows where available) at all of our locations until further notice.  These new temporary hours will be effective Wednesday, April 8, 2020.


Banking Locations & Phone Numbers  

Galesburg Main Street Office, 21 E. Main St., Galesburg – (309) 343-7141 
Monday – Friday 9:00 a.m. – 5:00 p.m.

Saturday 9:00 a.m. – noon

(drive-up, walk-up, night depository and 24 hour ATM available)


Galesburg Henderson Street Office, 1230 N. Henderson St., Galesburg – (309) 344-3700

Monday – Friday 9:00 a.m. – 5:00 p.m.

Saturday 9:00 a.m. – noon

(drive-up, night depository and 24 hour ATM available)

Galesburg Seminary Square Office, 2616 Veterans Dr., Galesburg – (309) 344-3232

Monday – Friday 9:00 a.m. – 5:00 p.m.

Saturday 9:00 a.m. – noon

(drive-up, night depository and 24 hour ATM available)

Brimfield Office, 123 E. Knoxville St., Brimfield – (309) 446-3344 

Monday – Friday 9:00 a.m. – 5:00 p.m.

Saturday 9:00 a.m. – 11:00 a.m.

(drive-up, night depository and 24 hour ATM available)


Peoria Office, 4900 N. Glen Park Place, Peoria – (309) 683-2881

Monday – Friday 9:00 a.m. – 4:00 p.m.
(Drive-up services not available at this location, night depository available)


In an effort to protect the health of our clients, staff and the general public, we began limiting service to our Drive-Up windows only at all locations (and to the outside Walk-Up windows for facilities that have them) on Thursday, March 19, 2020Lobby access is by appointment only to protect our customers and employees.  We require everyone, with no exceptions, to call ahead for an appointment if face-to-face assistance by one of our bankers is needed.  Phone numbers are provided below.  Please expect to be asked a few COVID-19 screening questions.

Business Relief and Other Resources

Small Business Administration (SBA)

UPDATED 5/20/2020 – The Small Business Administration (SBA) has issued a press release that contains information on the loan forgiveness application for everyone participating in the Paycheck Protection Program (PPP).  To apply for forgiveness of your Paycheck Protection Program (PPP) loan, the Borrower is required to complete this application as directed in the instructions, and submit it to your lender. The application and instructions can be found here: PPP Loan Forgiveness Application. You may apply for your loan forgiveness 8 weeks after the date of your loan disbursement.

UPDATED 4/27/2020 – Paycheck Protection Program  A second round of PPP funding, in the amount of $310 billion, was approved by Congress this past week and signed by President Trump on Friday, April 24.  Applications will be accepted by the SBA beginning Monday, April 27.  Funding is expected to be exhausted very quickly, as was the case for the $349 billion first round.  More information on the Paycheck Protection Program including forgiveness requirements can be on the US Small Business Administration website.  

UPDATED 4/21/2020 – The $349 million allotted for the Payment Protection Program to help small businesses with the resources they need to maintain their payroll, hire back employees who may have been laid off, and cover applicable overhead was exhausted late last week. However, all indications are that Congress will soon pass legislation to open up a new round of stimulus funds for the Payment Protection Program.  The most recent news is that this legislation will pass this Wednesday (tomorrow). If you weren’t able to get your application in before the initial funds were exhausted and are still interested in applying for funds, please submit your application to us as soon as you can so we can be prepared to apply for the PPP loan on your behalf.  More information on the program can be found on the Treasury Department website and the U.S. Small Business Association (SBA) website.

UPDATED 4/17/2020 – The Save Small Business Fund is an initiative of the U.S. Chamber of Commerce Foundation and is made possible by the generosity of their partners. This fund is a collective effort to provide $5,000 grants to as many small employers as possible. The application process begins on Monday, April 20, 2020 and details on qualification and how to apply can be found here


State Illinois Assistance

Small business assistance is also available through the Illinois Department of Commerce and Economic Opportunity. For details click here.

Economic Impact Payment Information for Consumers

UPDATED 4/14/2020  The IRS has announced a "Get My Payment" tool this week that can be used to track your payment status and confirm your payment type (direct deposit or check). Our Online Mobile Banking are currently experiencing latency issues due to the amount of people attempting to check their accounts for stimulus deposits. Thank you for your continued patience as we work through the process and in the meantime, please utilize the IRS tool listed above to check your status.

UPDATED 4/10/2020 – With the first round of CARES Act direct economic impact payments expected to be issued as soon as next week, The American Bankers Association has created a new educational resource for consumers.‌This resource provides the answers to several commonly asked questions including how much individuals can expect to receive based on their income, when they can expect to receive payment, whether payments can be received electronically, what they can do if they do not have a bank account, how to avoid fraud and more. The FAQs can be found here will be updated as more information is released by the Treasury Department. 


Event Cancellation List

Ambassador Club Events:

  • Club Events for May  have been canceled.  
  • Club Events for June and July continue to be under assessment.  Further information will be provided when decisions are reached. 

Other Events:

  • None at this time 


COVID-19 Scam Alerts

Please be aware of an increased number of Coronavirus-related scams!  One of the best sources we’ve found for helpful tips to keep scammers at bay is a special section of the Federal Trade Commission website.

UPDATED 4/10/2020 – Another great source of information is the American Bankers Association.  They’ve put together a list of the most common scams, followed by list of 10 practical tips to avoid becoming a victim.  They’ve also listed the top 5 scams to watch out for in protecting your economic impact payments.  




Coronavirus Readiness and Your Bank

Here are some of the measures we are taking to keep you safe while providing you with access to vital banking services.

Specifically, here is what we are doing at the bank:

  • Increasing cleaning and sanitization efforts in our banking locations.
  • Reinforcing healthy habits on the part of our employees and instructing them to stay home when they are not feeling well.
  • Beginning Thursday, March 19, temporarily limiting service to the Drive-Up only (and to walk-up windows for facilities that have them) at all of our locations (see details elsewhere on this page).  
  • Modifying, postponing, or canceling large meetings.
  • Modifying, postponing, or canceling Ambassador Club and other bank-related events (see details elsewhere on this page).
  • Keeping our products and services fully available to you.
  • Monitoring the financial markets and discussing options for clients to meet their changing financial needs.

Here are some steps that you can take:

  • Use ACH (Automated Clearing House) and Direct Deposit to ensure your paycheck or Social Security deposits remain secure and uninterrupted.
  • Use our Mobile Online Banking and Remote Check Deposit services to ensure that you can bank anytime, anywhere, without having to travel to the bank to make deposits, payments and transfers.
  • Use our Online Loan Applications, available for many types of consumer and mortgage loans.
  • Wherever possible, use your debit card or Credit Cards from F&M Bank instead of cash to reduce your risk of exposure.
  • Beware of scams such as suspicious e-mail and text messages, medical supply scams, and fraudulent donation sites that may impersonate a company, charity or government agency.
  • Make sure we have your most up-to-date e-mail and cell phone information so we can contact you in the event of emergency and/or fraud.
  • Know that we will never reach out to you to ask you for your account number, Social Security number, or other non-public personal information.  We already have that information on file.   

Our bankers are closely monitoring the situation nationally, regionally and locally. Should developments warrant, we will reach out to you with updates to ensure timely notification. We pledge to continue devoting significant resources to stay on top of this emerging situation in order to keep you and our employees informed and prepared.


Safety and Soundness

During these challenging times, you can rest assured that your money is safe, secure and accessible with us. 

During times of uncertainty, one thing you can always count on is the safety of your money at a bank. When you deposit your money at a bank, you have the comfort of knowing that your funds are insured by the Federal Deposit Insurance Corporation (FDIC), an agency that’s backed by the full faith and credit of the United States government.  Coverage is automatically provided up to $250,000 per depositor at each insured institution and this coverage may even be higher depending on the type of accounts involved.  There is no finer protection for depositors.

Every bank in the country is required by law to have disaster recovery and business continuity plans in place, with multiple backup systems to help ensure that customers’ money is accessible when its needed.  Those systems include the technology that enables you to pay bills, make deposits and access your funds without ever visiting the bank --- ATMs, online banking, mobile banking, mobile deposit, online and mobile bill pay, Direct Deposit, automatic transfers, debit cards and more --- all important resources in times like these, where face-to-face contact is limited.

Finally, whether you’re a depositor or a borrower, you have the peace of mind that comes from dealing with a strong, well-capitalized organization when you bank with us.  You can count on being able to “Aim High and Bank Strong” with us for years to come!