Ag Plus strengthens its century‑old cooperative roots with major grain facility upgrades, expanded services and long‑term financial support from CoBank to fuel continued growth.
Cash management
Make every dollar work smarter
We'll help you optimize every dollar, streamline operations and reduce risk.
Smarter cash management
Backed by expertise tailored to your business, CoBank's cash management helps your business thrive. Manage and protect payments, simplify loan paydowns and maximize idle funds. Your finance team benefits from faster collections, lower interest expense, better disbursement control, increased investment income, accurate cash positions and reduced fraud risk.
Receivables
Get paid faster, smarter
- Improve collections and accelerate access to funds with flexible receivables tools tailored to your operations.
- Capture checks anytime, anywhere with secure remote deposit and lockbox.
- Reduce processing costs with automated clearing and fewer manual errors.
- Reduce fraud risk and consolidate collection channels by leveraging ACH, wires, remote capture and lockbox.
Payables
Streamline payments, reduce risk
- Automate disbursements and increase fraud protection with secure, efficient payment options.
- Optimize working capital with automated ACH and wire payments.
- Strengthen controls with check positive pay and audit tracking.
- Reduce manual errors and consolidate disbursements into one platform.
Sweep options
Put idle funds to work
- Maximize returns and liquidity with automated sweep programs that move and invest cash daily.
- Invest in a CoBank overnight account tied to a Farm Credit Investment Bond.
- Place funds in an AAA-rated U.S. Government Money Portfolio.
- Access funds same day with no minimum balance requirements or manual transfers.
Commercial Card
Turn spend into return
- Control expenses, improve cash flow and earn rebates with our robust card program.
- Boost working capital by extending float an average of 22 days.
- Unlock rebate opportunities and reduce check processing costs.
- Manage spending with real-time tracking, limits and system integration.
Simplify expense management
The CoBank Commercial Card makes everyday purchasing and travel expenses easier to manage. Backed by secure, industry‑leading technology and a dedicated support team, it helps you earn rebates, reduce fraud risk, and cut down on administrative work—so your team can focus on what matters most.
Financial benefits
Turn everyday spending into financial advantage
- Improved cash flow with an average of 22 additional days of float
- Lower transaction costs, with no initiation fees for card transactions
- Rebate opportunities with a minimum annual spend of $350,000
- Built‑in insurance protections for added peace of mind
Operational advantages
Streamline purchasing without losing control
- Stronger control over travel, vendor, and project spending
- More detailed payment information than checks or ACH
- Quick account number changes if a card is compromised
- Real‑time updates to card limits and easy integration with ERP systems
Protect checks and ACH activity before funds leave your account
Positive Pay helps reduce fraud risk by matching payment activity against what you’ve authorized—so questionable items can be reviewed before they’re paid.
When you use Positive Pay, you provide CoBank with information about the checks you issue or the ACH activity you approve. As payments are presented, they’re compared against that information. If something doesn’t match, it’s flagged for your review, giving you the opportunity to pay or return the item.
Standard Positive Pay
Checks are matched to issued check numbers and amounts; exceptions are flagged for review.
Reverse Positive Pay
You review all checks presented for payment and decide which to pay or return.
Payee Match Positive Pay
Adds an extra layer of protection by matching the payee name as well.
ACH Positive Pay
Helps identify unauthorized or unexpected ACH debits.
Customer success
i3 Broadband expands high‑speed fiber internet across underserved Midwest and Northeast communities in the U.S., partnering with CoBank to fuel growth and future‑ready connectivity.
Idaho AgCredit supports generations of farmers with personalized financing, strong community ties and a long‑standing partnership with CoBank that fuels steady growth.
CoBank and Oklahoma AgCredit partnered to finance a major agribusiness customer, combining lending capacity and sophisticated cash management solutions.
Managing cash flow is more than a back-office function — it’s a strategic advantage
Talk with a relationship manager to learn more about Cash Management Solutions.