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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Register for the Frontier Farm Credit Annual Meeting on July 10.
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.
Because these banking capabilities are intentionally designed to work alongside your Frontier Farm Credit operating line of credit, cash and borrowing can work together as part of one connected financial strategy—not as separate banking and lending relationships. Through our partnership with First National Bank of Omaha (FNBO), we're bringing together complementary strengths to reduce manual effort, improve working capital efficiency, and give you more time to focus on running your operation.
While these banking 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.
There is no action you need to take today.
We will continue to share updates and guidance as additional information becomes available.
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 support these evolving needs, we’ve selected FNBO as our preferred provider for cash management and money movement services. Together, we combine complementary strengths: Frontier Farm Credit continues to deliver the financing and expertise you rely on, while FNBO provides banking capabilities that help connect your cash and borrowing more effectively.
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.
Why we selected FNBO and how it benefits you
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
“As customer needs continue to evolve, we are focused on ensuring you have access to the right expertise, tools, and relationships to support your operation. While certain services used to move and manage money will evolve over time, our commitment to agriculture, your operating line of credit, and your relationship with us remains unchanged.”
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.
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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Automated sweep functionality continuously works in the background based on account activity throughout the day. When integrated through FNBO and your Frontier Farm Credit operating line of credit, funds can move automatically based on your actual cash position.
Without automation, customers often need to review balances, estimate cash needs, calculate transfer amounts, initiate transactions, and verify funds arrive where they are needed. Automated cash management helps reduce those manual steps while keeping cash and borrowing working together more efficiently.
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When cash management and borrowing work together, excess funds can be used more efficiently while credit remains available when needed. Rather than managing deposits and borrowing separately, you can take a more connected approach to liquidity management that reduces manual effort, improves day-to-day efficiency, and helps keep working capital working for the operation.
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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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As future service transitions are defined, we'll communicate directly with customers who may be affected and provide guidance on any steps that may be needed.
Our goal is to ensure you have the information and support you need before any action is required.
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Contact your financial officer with your questions, and they can connect you to the resources you need.
Frontier Farm Credit operating lines of credit are subject to credit approval, terms, conditions, collateral requirements, and availability. Banking, treasury, management, payment, card, fraud risk management, money movement, and sweep services are provided by First National Bank of Omaha (FNBO), Member FDIC, and are subject to eligibility, enrollment, agreements, fees, limits, and other terms and conditions. Sweep functionality and any potential interest savings depend on account activity, available balances, credit usage, applicable rates, and program terms. Frontier Farm Credit loan products are not deposits of FNBO and are not FDIC insured. FDIC insurance applies only to eligible deposit accounts at FNBO and is subject to applicable rules and limits. Customers should consult their FNBO representative to understand how FDIC insurance applies to their individual circumstances.
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.
Our goal is to help make managing your operation simpler, more efficient, and more connected, today and in the future.