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Online Banking

Manage your loans easily, intuitively and comprehensively with the tools and features you need.

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As a modern farmer, you need an online banking platform as leading edge as the operation you run.

Our online banking is rooted in a deep understanding of modern agriculture because we are a lender owned by farmers.

Benefits & Key Features

Accessible

Easily access your account across all your devices—desktop, mobile and tablet.

Integrated

Integrate your finances with popular accounting platforms like Quicken® and Quickbooks®.

Automated

Automate transfers from your operating line of credit.

Secure

Complete all banking services safely and securely.

Simple

Registration is easy, and the entire platform is intuitive to get you back to your operation.

Download Our Mobile Apps

For iOS For Android

Registration Steps

  1. Go to onlinebanking.fcma.com
  2. Select "Register."
  3. Enter your Social Security Number, loan/account number, and CIF/customer number.
  4. Verify your identity via phone. You can select either a text message or phone call. This will be the phone number used in the application process.
  5. Enter the confirmation code sent to your phone. This could take a few minutes.
  6. Create your user ID and password and select “Register.”

To register for online banking, you will need your Social Security Number, Account Number, Customer Number, and a Cell Phone number.

Once steps 1-6 have been completed, you can log in to your new account.

You'll be prompted to set up your secret security questions the first time you log in. This will help verify your identity and reset your password in the event you forget it.


Already signed up for automatic payments at closing or with your local office? If so, enjoy the other features in online banking. You do not need to enroll in automatic payments through online banking.

Video Tutorials

Watch these tutorials to learn about the new online banking platform’s features.

Frequently Asked Questions

Each online banking user sets their own username and password.

If you’ve forgotten your password, please use the Forgot Password link to reset it.

Yes, check your mobile device’s app store for our Farm Credit Mid-America app!

Yes! Once logged into the Mobile App, from the mobile menu select Settings and then select Authorized Device Enrollment.

All major internet browsers are supported. Select the “supported browsers” link on the home screen for the latest list.

Please note, a PDF viewer will be needed to view statements, bills, and drafts.

From our homepage, click the Login button and select Online Banking Login or open the mobile app. Select the Register link to begin. You will need your Social Security Number (or EIN), Loan or Account Number, and your Customer Number (CIF). These can be found in your closing packet or account statement. You will also need access to the phone number you provided for your loan application to verify your identity. For help with the registration process, check out the resources above.

Our system follows high industry standards of protection using dual authentication, so the first time you access your account online, you will be prompted to initiate an 8-digit verification PIN request through a text message or phone call. The phone number used for verification will be a phone number you provided for your loan application. Once logged in, you will be prompted to set up security questions to further protect your account.

Online Banking will prompt you for the PIN verification and/or a security question anytime you use a new computer, new phone, new wifi, VPN or a public device to login to your account. This is an added security measure to help protect your account and verify your identity.

No. If you signed up for automatic payments (PAID), we will handle scheduling your automatic bill payment. Please contact our office if you are unsure if you have signed up to avoid an accidental duplicate payment.

Yes! Once logged into the Online Banking system, select the Settings menu by clicking on your name in the upper right corner (or from the Mobile Menu if using the Mobile App), then Paperless Preferences.  Check the box next to Turn Off Paper Statement and Turn Off Paper Bill. Select the Submit button to confirm your choice.

Yes! To transfer money to or from another account, please set up an external bank account. For more information on how to add an external account, please refer to our other FAQs.

Yes! To make a payment on your loan, add an external bank account. The initial account setup utilizes micro deposits to validate ownership of the account. Depending on the time of the request, this could take 1-3 business days to finish the setup.

To add an external account, log into Online Banking and select Transfers, then Transfer Accounts. Select Add Account, then My Account at Another Financial Institution and enter your bank information and select Add Account.

Next, you will verify your account, where two small transactions will be deposited and withdrawn to the account you added. This process could take 1-3 business days. Once the deposits are received in your external account, return to Online Banking, go to Transfers and External Accounts, and click the Vlink. Enter the two amounts that were sent to your external account to complete the process.

There are two ways within Online Banking to pay:

  1. You can use the Make a Transfer tool to schedule or make an individual payment; or
  2. You can use the PayNow feature to pay any and all bills currently due in one single transaction. Please note, if you signed up for PAID, we’ll set these transactions up for you.

PayNow allows you to pay all amounts for all bills due in one quick action. You must have an external account linked to your online banking account and a loan that is currently in billing for the PayNow feature to open. You will be prompted if those requirements are not met.

Have you already signed up for automatic payments? If so, you do not need to re-register through PayNow.

NOTE: You may need to enable pop-ups for this website if your web browser blocks them.

Yes! To select transactions for export, click Accounts, then Quicken/QuickBooks Download. Select the account and date range and then select the desired download type, Quicken or QuickBooks.

Our Online Banking tool has an in-app help guidance feature. Look for Help links throughout Online Banking for helpful tips and answers to frequently asked questions.

If you still need assistance, please contact a team member at your local office, [email protected], or call our hotline at 888- 243-4378 (8:00 a.m. to 5:30 p.m. EST, Monday through Friday).

Please contact our Cash Management team at [email protected] to learn about our additional options and related fees.

The Accounts Summary screen displays a summary of all your loans and Farm Cash Management investment accounts, right from the home screen.

To view account details, select the Account Name from the home screen. A view of your Account Details and recent loan transactions will be visible. When a payment is past due, it is displayed in bold red type.

Select More Search Options for additional filter and print options available.

Statements and bills can be viewed by selecting an account from the Account Summary screen and then selecting the Statements link.

Select your account from the Account Summary screen, expand the transaction in the Account Activity section and then click the View Check link.


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

¶ 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.

‡‡ 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.

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. 

You May Be Interested In

Agricultural Loans

A range of loans* designed with your operation in mind.

Farm Cash Management®

An investment account that makes your money work for you.

Customer Connect

Upload and view your loan and crop insurance documents.

Disbursement Card

Earn 1.5% cash back‡‡ for things you're already purchasing with your line of credit§§.