No. Your operating line of credit remains exactly where it is today and continues to be central to your relationship with us.
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Spend less time managing cash and more time running your business
Managing cash has become a bigger part of running a farm or ranch. Whether it’s checking balances, planning for expenses, or deciding when to move money or borrow funds, routine financial decisions can take valuable time away from your operation.
That's why our money movement services are evolving: to make it easier for cash and borrowing to work together and simplify day-to-day money management.
By intentionally connecting banking capabilities with your operating line of credit, cash and borrowing can work together more seamlessly instead of requiring separate financial decisions. Through our partnership with First National Bank of Omaha (FNBO), we're bringing together complementary strengths that help reduce manual transfers, improve visibility into cash flow, and make working capital easier to manage.
Spend less time managing money and more time running your operation.
While these capabilities continue to evolve, one thing remains the same: your relationship with us. These enhancements are designed to build on the services you already value while making it easier to manage your operation.
What you need to know today
Your relationship with us and your operating line of credit are not changing.
What is evolving is how you manage cash and move money.
We have engaged a trusted expert, FNBO, to enhance certain money movement services connected to your operating line of credit.
If you prefer to manage certain transactions online, you can continue to do so through My Account, our secure online account management tool.
There is no action you need to take today.
We will continue to share updates and guidance as additional information becomes available.
Why we've chosen FNBO as our preferred provider
For more than 25 years, we have worked with FNBO to serve agriculture and rural communities. This longstanding relationship, combined with FNBO’s banking expertise and technology, gives us confidence in this partnership and its ability to support your evolving cash management needs.
With this partnership, you benefit from:
Integrated payment solutions, including digital payables and receivables
Card-based payment options and global transaction capabilities
Tools designed to strengthen fraud protection and reduce risk
Simplified money movement and fewer manual processes
Improved visibility into your cash position
More efficient use of working capital, with potential interest-saving opportunities
Making better use of your working capital
One of the benefits you have long valued is the ability to manage cash and borrowing in a way that supports the day-to-day needs of your operation. As money movement services evolve, that advantage remains an important part of the experience.
Through the combination of your operating line of credit and FNBO banking services, you can keep cash and borrowing working together more effectively.
Automated sweep functionality helps align your available cash and borrowing balances based on daily account activity. Rather than monitoring balances, calculating transfers, and moving money manually, cash and borrowing can work together automatically to help support liquidity needs and make more effective use of working capital.
Looking for a simpler way to manage routine money movement?
My Account provides a convenient way to manage your accounts and complete eligible account transfers online, giving you added flexibility while complementing the personal support available from your local FCSAmerica team.
Have questions? Your local FCSAmerica team can help you understand how My Account and other cash management capabilities can support your operation.
Evolving to better support your financial needs
The way agricultural operations manage money continues to evolve, along with customer expectations, banking capabilities, and security needs.
As operations grow more complex, with more transactions, accounts, and increasing fraud risks, you need tools that are more connected, efficient, and secure.
To better support the evolving way customers manage cash and borrowing, we've selected FNBO as our preferred provider for cash management and money movement services. Together, we bring complementary strengths to your operation; FCSAmerica continues to provide the financing expertise and relationship you rely on, while FNBO delivers banking capabilities that work alongside your operating line of credit. The result is a more connected approach to managing cash and borrowing that helps simplify routine financial decisions.
What becomes simpler?
Many of your routine cash management tasks can happen automatically, helping you spend less time:
Checking account balances throughout the day
Forecasting cash needs and transfer amounts
Deciding when to draw from your operating line of credit
Determining when excess cash should be applied toward borrowing
Instead, you can focus on running your operation.
What this means for you
Eliminate time spent manually managing cash and borrowing balances
Improve day-to-day efficiency
Support potential interest savings
Make more effective use of working capital
This isn't about introducing technology for technology's sake. It's about continuing to provide a convenient, efficient, and connected way to manage cash and borrowing.
Frequently asked questions
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Certain services used to move and manage money in connection with your operating line of credit will evolve over time. Additional information will be shared as future service transitions are defined.
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As farm operations grow and financial management becomes more complex, you may be spending more time managing cash movement across accounts and borrowing needs. We’re evolving to simplify that process. Our enhancements are designed to make managing money easier, save you time, and help you stay focused on running your operation.
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We selected FNBO because of its ability to help you manage money more efficiently while keeping your operating line of credit at the center of your relationship with us. FNBO brings banking expertise, technology, customer service, and a deep understanding of agriculture that complements the relationship you already trust.
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With automated sweep, day-to-day cash management can become simpler by automatically moving funds between eligible accounts and your operating line of credit based on account activity and established sweep settings. This can reduce the need to monitor balances, calculate transfer amounts, and manually initiate routine transfers, helping keep cash and borrowing working together more efficiently.
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The following cash management service fees will change effective October 1, 2026. If you do not use the services listed below, no action is required. If you use these services, your local FCSAmerica team can help you understand the payment options available to you.
Service | How You Complete It | Current Fee | New Fee |
|---|---|---|---|
Standard Outgoing ACH | Associate-Assisted | $0.00 | $10.00 |
Same-Day Outgoing ACH | Online (My Account) | $0.00 | $5.00 |
Same-Day Outgoing ACH | Associate-Assisted | $0.00 | $15.00 |
Standard Outgoing Wire Transfer | Associate-Assisted | $15.00 | $35.00 |
Foreign Currency Wire Transfer | Associate-Assisted | $40.00 | $35.00 |
Draft-Style Orders (60 Drafts Per Book) | Associate-Assisted or Online (Harland Clarke) | $0.00 | $25.00 |
This fee update applies to only the money movement services listed in the table above. Standard and future-dated online ACH payments remain free.
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No. Currently we are focused on communicating the evolution and helping you understand upcoming changes and what to expect. No action is required today.
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Contact your FCSAmerica team with your questions, and they can connect you to the resources you need. Your FCSAmerica financial officer and customer experience specialist remain your trusted resources for financing, your operation, and long-term planning.
Stay connected
You don’t need to take any action right now. We’ll continue to provide clear updates so you know what’s changing, when it’s happening, and what it means for your operation.
As these enhancements are introduced over time, you will gain access to additional tools, capabilities, and ways to manage money that are designed to work seamlessly with your relationship with us and your operating line of credit.
If you’re interested in learning more about the cash management options available for your operation, your local FCSAmerica team can help you explore what may work best for you.
Important information
Farm Credit Services of America (FCSAmerica) operating lines of credit are subject to credit approval, applicable terms and conditions, collateral requirements, credit availability, and governing loan agreements. FCSAmerica is not an FDIC-insured depository institution. FCSAmerica credit products are not deposits of First National Bank of Omaha (FNBO) and are not FDIC insured.
Certain banking and cash-management services, including treasury management, payment, card-based payment, fraud risk management, money movement, and sweep services, are provided by First National Bank of Omaha (FNBO) and are subject to eligibility, enrollment, applicable agreements, fees, transaction limits, cutoff times, system availability, and other terms and conditions.
First National Bank of Omaha, Member FDIC. FDIC insurance applies only to eligible deposits held at FNBO, subject to applicable FDIC insurance limits and requirements. FDIC insurance does not apply to FCSAmerica credit products or to sweep, treasury-management, payment, money-movement, or other non-deposit services.
Automated sweep functionality is subject to eligibility, enrollment, available balances, credit availability, account activity, transaction timing, system availability, and applicable account, loan, and program terms. Sweep activity may include transfers of available funds and automatic advances from or payments to your FCSAmerica operating line of credit. Advances under an operating line of credit accrue interest in accordance with the applicable loan agreement and interest rate. Any potential interest savings, reduction in interest expense, improved use of working capital, or other financial benefit depends on individual account activity, available cash and borrowing balances, credit usage, transaction timing, and applicable interest rates and is not guaranteed.
The money-movement service fee changes shown above are effective October 1, 2026, and apply only to the services identified in the fee table. Standard and future-dated online ACH payments remain free as described above. Other fees and service charges may apply. Refer to the applicable account agreements, treasury-management agreements, loan documents, and fee schedules for complete terms and conditions.
Products, services, features, fees, and availability are subject to applicable terms and may change. Contact your FCSAmerica team for additional information regarding your operating line of credit and available cash-management services.