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Farm Credit Mid-America and Farm Credit Midsouth have merged as of April 1, 2023. Learn More.

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Disbursement Card

Get 1.5% cash back‡‡ with our disbursement card§§ and convenient access to your operating funds.

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Now your out-of-pocket costs put more cash in your pocket.

With a Farm Credit Mid-America disbursement card, you not only earn cash back for the things you’re already purchasing, you can access your operaing line of credit*, any time, anywhere. You no longer need to request disbursements—spend seamlessly on supplies like seed, machinery, business meeting expenses, and more.

If you’re an existing or new disbursement card holder, you’ve been automatically enrolled in our cash back rewards program.

If you have an operating loan with Farm Credit Mid-America but don’t have a disbursement card, let us help you reap the rewards.

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Key Features

Automatic

Enjoy automatic enrollment in our cash back rewards program.

Rewarding

Earn 1.5% cash back‡‡ on every purchase.

Immediate

Access your operating funds right away, without having to request disbursements.

Simple

Pay bills and access your account records online.

Secure

Rest easy with Mastercard® fraud protection.

Frequently Asked Questions

Disbursement cards are the easiest way for producers with operating loans to access their line of credit. You can spend on supplies like seeds and machines, without having to request disbursements.

  • Cash Back: Earn 1.5% on every purchase.
    • Opted in automatically with card enrollment
    • Paid out to your operating line of credit, every October – no redemption necessary
  • Convenient Access to Operating Funds: Immediate access to your operating funds, without having to request disbursements.
  • Easy Account Management: Easier access to pay bills, online account records, printed statements monthly.
  • Fraud Protection: Rest easy with Mastercard fraud protection.

  • Prepaid expenses like seed and fertilizer
  • Business meeting expenses (lunches, etc.)
  • Parts and machinery
  • Other operating expenses

The disbursement card is offered through AgriBank and cannot be used for cash advance or ATM transactions. Purchases are limited to U.S. and Canada retailers only. Other restrictions may apply.

The card carries a daily credit limit based on the current available commitment of the loan and as such resets each day. Prior day purchases that have not posted to the loan's transaction history will reduce the daily credit limit. The default credit limit for disbursement cards is 90% of the current day's available commitment up to $50,000.00.

To enroll in the disbursement card program you must have an open operating line with Farm Credit Mid-America and be in good financial standing. To start the enrollment process, contact your local office at 800-444-FARM. To enroll, you’ll need your full name, social security number, customer identification number, address, and email address, as well as your mother's maiden name. After reviewing the request for a disbursement card, you will be enrolled if all qualifications are met. Expect to receive your disbursement card within 7-10 business days.

Once you've applied for enrollment, your submission will be routed to one of our retail offices where it will be verified and activated. You will be notified by email when this has been completed and your card is on the way. You will then receive your disbursement card within 7 to 10 business days.

Issue
Cancel card/report lost or stolen card
Contact
FIS
Phone
(866) 382-4051

Issue
Dispute charges on card
Contact
FIS
Phone
(866) 382-4051

Issue
Changes to the card in terms of the loan
Contact
Cash Management
Phone
800-444-FARM ext 53838, option 2, option 4

Look forward to a payout in your operating line of credit every October, no redemption necessary.

Enroll for a Disbursement Card

Sign up for a Farm Credit Mid-America disbursement card and take advantage of 1.5% cash back on every purchase, immediate access to your operating funds, online account and bill pay, and Mastercard® fraud protection.

All fields required unless otherwise noted.

Optional

Operating Loans

Operating Loans

Connect your disbursement with your operating loan* and earn cash back‡‡.

Get More with Our Operating Lines of Credit

Auto Renewal

Some operating lines are available for automatic renewal¶¶ as long as our credit standards are met.

No Renewal Fees

Renewals that go through the auto renewal process¶¶ may not be subject to feeds.

Competitive Rate Options

With a variety of rate options available, including fixed, adjustable and others, we have the flexibility to find the right operating loan for your operation’s needs.

Convenient Access

Accessing your funds should be easy. That’s why we offer multiple ways for you to access your operating funds, including through a checkbook, cash back‡‡ disbursement card§§ or wire transfer. And you can deposit funds through our remote capture option on our online banking app.

Online Banking

Easily access your account to automate transfers from your operating line of credit through our online banking platform. With the ability to integrate with popular programs like Quicken® and Quickbooks®, you can manage your operating funds safely and securely.


‡‡ Cash back is made in the form of a credit to your operating line every October. In the event your line has been paid in full, payment will be made via check. Additional terms and conditions may apply. 

§§ Disbursement card is for use with an operating loan. Operating loans are subject to credit approval. Additional terms and conditions may apply. For more information, please contact us at 800-444-FARM. Farm Credit Mid-America is an equal opportunity lender.

* Loans and leases are subject to credit approval. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.

¶¶ Not all loans are eligible for automatic renewal. Renewals that do not go through the automatic renewal process may be subject to certain fees. Automatic renewals are subject to credit approval. Other factors like eligibility and scope may apply.  

¶ This is not an offer for the sale of Farm Cash Management® (FCM®) investment accounts or AgriBank Money Market investments. Such investments are not insured by or a direct obligation of the United States government. FCM investments can only be purchased directly from AgriBank, FCB. Carefully review the disclosure information provided to all prospective purchasers prior to purchasing. Farm Credit associations are not authorized to represent AgriBank regarding such investment accounts. You should not rely on any statement or opinion of our associations or personnel in deciding upon the safety and soundness of FCM accounts or their suitability for your particular situation. Certain terms and conditions apply to FCM accounts.

† Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. To learn more about patronage or patronage eligibility, please visit our Patronage page.

Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee. 

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