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Farm Cash ManagementSM 
In today’s agricultural industry, maximizing cash assets is critical. That’s why Farm Credit Services and our funding bank, AgriBank, FCB, have teamed up to introduce an integrated program to help agricultural producers and agribusinesses manage cash and minimize net interest cost. It’s called the Farm Cash Managementsm program, and is available only to Farm Credit Services clients. Putting Your Funds To Work For You The Farm Cash Management program combines the ready availability of a revolving line of credit with the high return of a short-term investment account. The program saves you money by putting your funds to work where they generate the best return. Returns are far superior to the investment option of a low interest savings account. Easy Access Funds are immediately available by writing a draft on your revolving line of credit, unlike having to transfer your funds from a savings or investment account to a checking account to be disbursed. Funds also can be transferred via the Internet and phone. And unlike some investments that require funds be locked in for a certain period and assess a penalty for early withdrawal, Farm Cash Management investment funds are liquid and available at any time. Unlimited Disbursements Unlike most NOW accounts or money market accounts, Farm Cash Managementsm has no limits on the number of drafts that can be written or the number of electronic funds transfers that can be made. And there are no monthly or per check fees like you will find with most of these other accounts. Here’s How It Works When you have cash available, your operating loan is paid first and all excess funds are then invested in an account comprised of AgriBank Investment Bonds. These bonds pay interest at rates that normally are significantly higher than what can be earned on typical commercial bank accounts – like checking, savings, money markets and even certificates of deposit (CDs). When you need cash for operating expenses, the investment account funds are used first, before advancing funds on your operating loan, helping to minimize your operating loan interest cost. Tax Exempt Interest earned on AgriBank Investment Bonds is exempt from state and local income tax, so the tax-adjusted annual yield is even higher. Use And Enrollment Are Easy Using Farm Cash Management is as simple as making a loan payment or writing a draft on your operating loan. Enrollment is easy, too. Contact your local Farm Credit Services office to obtain the forms. Talk To A Program Specialist If you have any questions and would like to talk to a Farm Cash Management program specialist, you can call one toll-free at 1-800-813-5978.
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