Make a Payment
We know that one size doesn’t fit all, which is why we offer options for making payments on Farm Credit Mid-America loans.
Choose the payment method that’s right for you.
We have several ways you can make payments on your loans—all with the goal of finding what works best for you. As a rule, whenever you make a payment on your loan, the amounts due (e.g. principal, interest, escrow and/or fees if applicable) are paid first before additional principal can be paid.
Four ways to pay
Choose the payment method that’s right for you.
Recommended Option: Sign up for PAID to setup preauthorized transfer payments
If you’d like to be set up on automatic payments, please contact your local retail office. A member of our team will assist in setting this up and can walk you through the next steps.
Some customers set this up at closing. If you’d like to verify if you have automatic payments set up, please call your local office.
Please note, in order to participate in automatic payments, your loan must be current.
Option #2: Use our website or mobile app to make payments
Customers who have registered on our Online Banking website or apps can make payments through those platforms.
Have a question? Browse our Online Banking support page.
Not registered yet? Here’s how to enroll:
- Step 1: Go to onlinebanking.fcma.com and select “Register.”
- Step 2: Enter your Social Security Number, account/loan number, and customer/CIF number on the secure page.
- Step 3: Verify your identity via phone by selecting either a text message or phone call and entering the confirmation code received.
- Step 4: Set up your user ID and password and click “Register.”
Timing for Online Banking Payments
For Farm Credit Mid-America customers, Online Banking payments must be made by 5:00 pm EST to begin processing the same day. After that time, they will be posted on the following business day. This is extremely important to keep in mind as you consider your loan payment due date.
Option #3: Pay online or by phone with your debit card
Customers who prefer to use a debit card can make payments online or by phone.
Pay Online
If you want to use your debit card in place of writing a check, please use our payment processing tool! It’s a simple, easy way to pay your bill online with same day processing. You can learn more about our payment solution or, if you’re ready, use our payment solution now.
Pay by Phone
If you prefer to pay over the phone, we have a payment processing phone line that allows you to use your debit card to make a payment. Please dial 1-855-208-5089, select option 3, and follow the prompts.
You can use your debit card connected with your checking account to make the payment in place of writing a check.
We recommend card payments be made by 4:00 pm Eastern time to post the same day. After that time, they will be posted on the following business day. This is extremely important to keep in mind as you consider your loan payment due date.
Option #4: Mail or drop off payment at your local office
Customers who prefer to pay by check can mail their payments or drop them off at their local office.
Pay by Mail
If you prefer to pay by mail, our payment processing center is the best option. Please mail your payment to our payment processing team using the PO Box Address on your Farm Credit Mid-America billing statement (also listed below).
Please ensure you include the completed perforated payment coupon (which is included at the bottom of your statement) along with your check. The completed payment coupon is how we know to apply your payment once we receive it.
Please mail payments to:
Farm Credit Mid-AmericaPO Box 740597
Cincinnati, OH 45274
Drop Off at the Office
If you prefer to bring a check into your local office, our retail teams can assist you.
Please drop off, or bring in, your payment and completed payment coupon (the bottom perforated portion of the bill) for our teams to assist.
