Simple, Smart Online Banking

Each user sets their own username and password. If you’ve forgotten your password, use the “Forgot Password” link to reset it.

Yes, check your device’s app store for our Rural 1^st app!

Yes! Once logged in, go to Profile, then Profile Updates, then select “Biometric Enrollment”.

All major internet browsers are supported. Select the “supported browsers” link on the home screen for the latest list. A PDF viewer will be needed to view statements, bills, and drafts.

From our homepage, click the “Online Banking Log In” link or open the mobile app. Select the “Register” link to begin. You will need your Social Security Number (or EIN), Loan or Account Number, and your Customer Number (CIF). These can be found in your closing packet or account statement. You will also need access to the phone number you provided for your loan application to verify your identity. For help with the registration process, check out the resources above.

Our system follows high industry standards of protection using dual authentication, so the first time you access your account online, you will be prompted to initiate a 8 digit verification PIN request through a text message or phone call. The phone numbers available for verification will be a phone number you have listed under your loan account. Once logged in, you will be prompted to set up security questions to further protect your account.

Anytime you use a new computer, new phone, new wifi, VPN or a public device, the system will prompt you for the PIN verification and/or a security question to verify your identity. This helps protect your account.

No. If you signed up for automatic payments (PAID), we will handle scheduling your automatic bill payment. Contact our office if you are unsure if you have signed up.

Yes! Once logged into the Online Banking system, select the Accounts tab, then eStatements, then eStatements Preference. Click the radio button next to Turn Off Paper Statement and Turn Off Paper Bill. Select SUBMIT to confirm your choice.

Yes! To transfer money to or from another account, set up an external bank account.

Yes! To make a payment on your loan, add an external bank account. The initial account setup utilizes micro deposits to validate ownership of the account. Depending on the time of the request, this could take 1-3 business days to finish the setup.

To add an external account, log into Online Banking and select Transfers, then External Accounts. Select Add External Account and enter your bank information and submit.

Next, you will verify your account, where two small transactions will be deposited and withdrawn to the account you added. This process could take 1-3 business days. Once the deposits are received in your external account, return to Online Banking, go to Transfers and External Accounts, and click the VERIFY link. Enter the two amounts that were sent to your external account to complete the process.

There are two ways within the application to pay. You can use the Create/Edit Transfers tool to schedule or make an individual payment, or the PayNow feature to pay any and all bills currently due in one single transaction. If you signed up for PAID, we’ll set these transactions up for you.

PayNow allows you to pay all amounts for all bills due in one quick action. You must have an external account linked to your online banking account and a loan that is currently in billing for the Pay Now feature to open. You will be prompted if those requirements are not met. Have you already signed up for automatic payments? If so you do not need to re-register through PayNow.

NOTE: You may need to enable pop-ups for this website if your web browser blocks them.

Yes! To select transactions for export, click Accounts, then WebConnect. Select the account and date range and then select the desired download type, Quicken or QuickBooks.

The application has in-app help guidance, look for the question mark icons throughout the application. If that doesn’t solve it, Contact us at customerservice@rural1st.com or call our hotline at 855-353-2854 (8:00 a.m. to 5:30 p.m. EST, Monday through Friday).

Yes, you can make a deposit towards the principal payment on your loan; this would include insurance proceed checks. Contact 1-855-353-2854 to enable this feature.

The Accounts Summary screen displays a summary of all your loans and Farm Cash Management investment accounts, right from the home screen. To view account details, select the account name from the home screen or select Accounts then Account Activity. A view of your Account Details and recent loan transactions will be visible. When a payment is past due, it is displayed in bold red type. Select More Search Options for additional filter and print options available.

Statements and bills can be viewed under Accounts, eStatements.

Select Accounts then Account Activity. Select the link to view images of the front and back of paid drafts in a new window. You will need to enable pop-ups for this website if your web browser blocks them.