Online Access Help

The members’ only side of FarmCreditEast.com provides convenient access to Farm Credit East updates, Northeast industry-specific reports and outlooks, and offers secure messaging with Farm Credit East.
These introductory features are available to both Farm Credit East customer members and nonmembers. If you would like additional access to your Farm Credit East documents and accounts, or if you are wanting online access to a Farm Credit East financial account, a customer number will be required.

Secure Messaging to exchange large files with Farm Credit East is fast, easy and secure.

If you are a customer of Farm Credit East, a FarmCreditEast.com account provides you access to:

• Your Farm Credit East documents, such as loan statements and tax return documents.
• Summary view of your Farm Credit East loan account information.
• Additionally, you may set up access to your financial accounts to transfer funds and make payments.

The multifactor authentication (MFA) security code is required to ensure that only legitimate, authorized individuals have access to the personally identifiable information (PII) that is potentially available in your account. Hackers would love to get their hands on this PII. We realize that some may find the security code to be an inconvenience, but it is our position that it's better to have the minor inconvenience of entering the security code versus the major inconvenience and cost of a stolen identity!

Yes! You can register a phone number for either text or voice. MFA by text requires that the security code be sent to a cell phone. However, MFA by voice means that a phone call will be placed to the phone number specified (which could be a cell phone or landline). Upon answering the phone, you'll verbally be told the security code to enter in your computer.

Only billing statements and the annual transaction summaries will be uploaded to online banking's statements view. However, it is likely that you’ll find it easier to view statements under the My Documents page of FarmCreditEast.com rather than in online banking. You’ll see more documents there – you’ll get the billing statements, annual transaction summaries, as well as tax forms (such as 1098s, 1099-PATRs, interest paid statements, etc.). Also, you’ll find what you’re looking for easier if you happen to look at the Doc Class column:

• 1) Customer Billing Statements are the monthly billing statements. Looking at the date in the document name will help indicate which month’s billing statement you’re looking at.
• 2) Patronage Letters are the letters indicating the amount of patronage being distributed to you via check or ACH (provided your loans are eligible for patronage).
• 3) Interest Paid Statements are the annual report of interest paid to the ACA on a loan-by-loan basis.
• 4) 1098 is the annual 1098 tax form provided to individuals who have paid more than $600 of interest on loans secured by real estate.
• 5)1099 PATR is the annual tax form provided to customers who have received a patronage distribution.
• 6) Annual Transaction Summary is what you had been looking for – it’s the consolidation of all loan activity during the calendar year.
• 7) Rate Change Notices are provided to customers with variable interest rate loans whose interest rate has changed due to movements in the financial markets.

Keep in mind that if you have access to see multiple borrowing entities, you may need to select a different name to view documents pertaining to it. Additionally, when searching a date range, be aware that the annual transaction summaries and tax forms are going to be uploaded after the calendar year in question, so the “To” date shouldn’t be any earlier than 2/15 to capture these forms.

Before making the payment, from the online banking Home page, click on the account you want to see the principal and interest split for. Click on the Details tab and scroll down midway. There you will see fields showing the Oldest Payment Due Date, Total Payment Amount Due, and then the "components" of Principal Due, Interest Due, Late Charges and Escrow Due.

If the payment has already been made and you want to see how the payment was applied, from the online banking Home page, click on the account you want to see the principal and interest split for. On the Transactions tab, find the payment and click on it to see the Details.

A Funds Transfer transaction is used to take an advance or draw from available funds on your Farm Credit East loan account, i.e., you are moving money from your loan and depositing it into your checking or savings account. (In former online banking terms, it is an ACH OUT.)
A Loan Payments transaction is used to make a payment on your Farm Credit East loan account, i.e., you are moving money from your checking or savings account to pay your loan account. (In former online banking terms, it is an ACH IN or an INTERNAL TRANSFER.)
Please refer here for more information about Funds Transfers and Loan Payments.

To pay the amount due on your bill, select the Payment Type of "Regular Payment" and submit that transaction. Then, submit another transaction using the Payment Type of "Principal Only Payment" (assuming you don't want it applied to the principal portion of the future bill). If you refer to the How to Move Funds pdf instructions, page 5 will indicate what the different payment types mean.

View PDF instructions that show you how to transfer funds, make payments and view account activity, or you can watch the video below.

View PDF instructions that show you how to add an external bank account, or you can watch the video below.

Watch the video below to see how you can customize your online banking views.

View PDF instructions that show you how to opt out of paper billing, or you can watch the video below.

Farm Credit East’s most important concern is the protection and reliability of customer data. Our servers are protected by high-end firewall systems, and scans are performed regularly to ensure that any vulnerabilities are quickly found and patched. Application penetration tests are performed annually by an independent third party. All services have quick failover points and redundant hardware, with backups performed daily.

Access to systems is restricted to specific individuals who have a need-to-know such information and who are bound by confidentiality obligations. Access is monitored and audited for compliance.

Farm Credit East uses Transport Layer Security (TLS) encryption (also known as HTTPS) for all transmitted data. Our services are hosted by trusted data centers that are independently audited to ensure customer data safety and privacy.

The following describes the browser requirements for FarmCreditEast.com, including online banking.

Current versions of the following browsers are required:

• Google Chrome (latest version)
• Mozilla Firefox (latest version)
• Safari (latest version)
• Microsoft Edge (latest version)

If a user is having issues with pages loading properly or features not working as expected, they might need to download or upgrade to the latest versions of one of the browsers listed above in order to fully utilize these online tools. To determine what type of browser in use, visit www.whatsmybrowser.org. This will give you details about the device you are using, the browser and version, as well as your operating system.

NOTE: Browsers are constantly changing, and most will be set to auto update to keep them current. It is quite possible, on occasion, for a browser manufacturer to introduce changes to their product that will impact Farm Credit East's online tools.

FarmCreditEast.com functionality, including online banking, has been tested on the following devices.

• Apple iPhone 7 or greater (with latest Safari)
• Samsung Galaxy 10 or greater (with current browser)
• Apple iPad (version x)

If you continue to run into trouble, we recommend you access Farm Credit East's online tools from a desktop device using one of the supported browsers mentioned above.