Farm Cash Management®

Farm Cash Management® (FCM®) links your FCS Financial line of credit with an AgriBank Money Market Investment account. Farm Cash Management will automatically manage your funds to minimize your cost of credit when you have a loan balance — or, if you’ve put more funds into your account than are needed for your loan, it will automatically invest the excess funds so you can earn a competitive interest rate.

Here’s How It Works

• Automatic Debt Reduction: When you have cash available, it is automatically applied to pay down your FCS Financial operating loan first, minimizing your overall cost of credit.
• Smart Investing: If you have more funds in your account than what is needed to cover your loan, the excess is automatically swept into your AgriBank Money Market Investment account to earn a competitive interest rate.
• Intelligent Cash Flow: When you need cash for operating expenses, the system automatically draws from your investment account first before advancing funds on your line of credit.

Quick Access

• Convenient Drafts: Funds are immediately available by writing a draft on your revolving line of credit.
• Flexible Transfers: Easily move funds online or manage your account over the phone.
• High Liquidity: Your Farm Cash Management® (FCM®) investment funds are fully liquid and available to you at any time.

Unlimited Disbursements

• No Caps: Farm Cash Management places no limits on the number of drafts you can write or electronic funds transfers you can make.
• Zero Added Fees: Enjoy full management of your funds with no monthly maintenance or per-check fees.

Tax Advantages

Maximize Your Yield: Interest earned on your AgriBank investment account may be exempt from state and local income taxes, making your tax-adjusted annual yield even higher. (Note: Consult your tax advisor regarding your specific situation).

Ease of Use

• Seamless Integration: Using Farm Cash Management is as simple as making a standard loan payment or writing a draft against your operating line.
• Digital Access: Securely access your funds, initiate transfers, and check your balances 24/7 through your FCS Financial online account.
• Get Started: Ready to put your cash to work? Contact your local FCS Financial office to set up your account.

DISCLOSURE STATEMENT: 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.