Online Banking

The features you want, the security you need — we’ll work with you to customize and select the features that are right for you.

The features you want, the security you need — we’ll work with you to customize and select the features that are right for you.

Log into Online banking
Personal banking

Check Balances

Check your account balances anytime — day or night. When you log in to Online Banking, your account balances appear automatically.

Transfer Funds Between Accounts

Request transfers between selected Farm Credit accounts or add external accounts to transfer to and from.

Access Account History

Review account-specific history online or download your history information to personal financial software, such as MS Money or Quicken.

 Farm Credit of Southern Colorado continues to make improvements to its online banking security. You may be prompted to answer one of your security questions when initiating transactions. If you need to reset your security questions, Please contact our office at 1-800-815-8559.

Business Banking

ACH Payment and Receipts

You can submit a single ACH credit
or schedule an ACH debit.

Log into Business Banking


Wire Transfer

You can submit a wire transfer request online.


Schedule the direct deposit of your employee payroll through a batch ACH credit transaction.

Payroll Tax

Submit federal tax payments online with IRS approval of ACH origination.

Online Banking Agreement and Disclosures

Our Online Banking Enrollment Agreement is currently under revision.

Enrollment Form

Online Banking Security Statement

This Online Banking System brings together a combination of industry-approved security technologies to protect data for Farm Credit and for you, our customer. It features password-controlled system entry, a VeriSign-issued digital ID for the server, secure sockets layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin a session with the Farm Credit Online Banking server, the user must key in a login ID and a password. Our system, the Online Banking System, uses a “three strikes and you’re out” lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the Association to verify the password before re-entry into the system. Upon successful login, the digital ID from VeriSign — the experts in digital identification certificates — authenticates the user’s identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with secure sockets layer (SSL) protocol. With SSL, data that travels between Farm Credit and customer is encrypted and can only be decrypted with the public and private key pair. In short, the Online Banking server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving Web pages or sending customer requests to Farm Credit.

Using the above technologies, your Online Banking transactions are secure.

Click here if you would like to download a PDF version of this Statement.

Click here if you would like to download a PDF version of this Statement.

Online Banking Privacy Statement

Visitors to the Farm Credit Online Banking website remain anonymous. We collect no personal information from you when you visit our site unless you provide it to us. Any information you give to us is treated confidentially and is not provided or sold to third parties.

If you visit our site only to read or download information, we collect and store only the following information about you: the name of the domain from which you access the Internet (for example,, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the website from which you linked directly to our site. We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our site more useful to visitors.

You may elect to provide us with personal information via email or online forms. This information is used internally, as appropriate, to handle your request. Information you provide to us is not disseminated or sold to other organizations. We may share the information with government agencies enforcing the law. In other limited circumstances, including requests from private individuals, we may be required by law to disclose information you submit. Note that email is not necessarily secure against interception. Data submitted via forms or the email button on our site will get to us through our internal network, but an email you send to us from your PC will travel over the Internet first. If you are concerned about the security of the information you send to us, you should send it via postal mail or through the email button in our Online Banking System.

This Farm Credit website is not directed toward children. Farm Credit does not intend to collect personally identifiable information from children without permission from the child’s parent or guardian. If your child has submitted personal information and you would like to request that such information be removed, you may contact us and we will use reasonable efforts to comply with your request.

For website security purposes and to ensure that this service remains available to all users, this computer system employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage.

Some areas of our website may use a “cookie” temporarily stored in your computer’s memory to allow the Web server to store preferences you set within the site and to know if you have visited the site before. The information stored in the “cookie” is used only by our website when you return to display the information you have set.

Our privacy policy only addresses activities from our website. Other sites, including those to which we have provided links, may have their own policies, which we do not control, and thus are not addressed by our policy. You should familiarize yourself with the Privacy Policy and security practices of any linked website. Those are the policy and practices that will apply to your use of the linked website and NOT our policy and practices.

Click here if you would like to download a PDF version of this Privacy Statement.

Click here if you would like to download a PDF version of this Privacy Statement.