Quick Tips to Get the Most Out of My Access Plus - News

Digital Banking • My Access Plus Guide

From maximizing year-end tax deductions to tracking cash flow in the field, learn how to get total control over your agricultural portfolio.

FCS Financial Knowledge Center | Online Banking Series

Funds Held Prepay Tax Benefits

7 Years Online History

Encrypted Secure Doc Exchange

Custom Secondary Logins

Managing your agricultural operation requires financial flexibility and a secure, 24/7 view of your accounts. With FCS Financial’s My Access Plus portal, managing your portfolio is easier than ever.

Tax Strategy • Prepayment

Maximize Year-End Tax Benefits with Funds Held

Prepay January 1 interest using your Funds Held account to possibly secure a current-year tax deduction. Authorize the payment before the year-end deadline in December 2026 to apply it to your 2026 tax return. Please consult your tax advisor regarding interest deductions.

💡 Pro-Tip for December Planning: Set up a recurring ACH through your local branch office or use the "Schedule Payment" feature in My Access Plus in early December. View your real-time Funds Held balance to set up January payments weeks in advance, and watch for FCS Financial's year-end processing deadlines every December.

💸 Move Money Digitally via ACH

Link external commercial bank accounts via the "Payments/Transfers" > "External Accounts" menu. Transfer money securely between your FCS Financial operating loan, external bank accounts, and Funds Held. Account verification via micro-deposits takes up to several days.

📱 Online Banking on the Road

Download the FCS Financial Mobile App (Apple App Store & Google Play Store) using your My Access Plus credentials. Check operating loan balances, transfer funds, or snap pictures of checks to apply payments directly to your revolving line of credit.

🔒 Ultra-Secure Document Courier

Never email sensitive paperwork. Use the encrypted "Secure Doc Exchange" tool in the top menu to safely transmit balance sheets, tax returns, or crop insurance policies directly to your local lending team.

📄 Paperless e-Statements

Opt out of paper statements under Profile Settings to reduce mail theft and clutter. Enjoy instant access to up to 7 years of online history, available days faster than traditional mail.

⚙️ Additional Custom Controls

🔔 Customized Alerts: Set up text/email notifications under the Preferences tab for loan maturity dates, operating loan balance thresholds, or newly uploaded documents.

🛡️ Built-In Multi-Factor Security: Multi-Factor Authentication keeps your account safe. After entering your password, select a registered phone number to receive a secure verification code via call or text.

👥 Custom Access for Secondary Users: Avoid security risks by creating unique logins for business partners, bookkeepers, or spouses under Online Banking in My Access Plus, allowing you to customize "view-only" or transfer permissions.

Put My Access Plus to Work Today

From maximizing tax deductions to tracking cash flow in the field, My Access Plus gives you total control over your ag portfolio. Log in today to customize your preferences and simplify your farm or ranch finances!

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