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Frequently Asked Questions

  • Each online banking user sets their own username and password. If you’ve forgotten your password, please use the Forgot Password link to reset it.
  • Yes, check your mobile device’s app store for the Rural 1st online banking app:


  • Yes. Once logged into the online banking mobile app, from the mobile menu select Settings, and then select Authorized Device Enrollment.
  • All major internet browsers are supported. Access the full list of supported browsers here. Please note, a PDF viewer will be needed to view statements, bills, and drafts.
  • You can register for online banking here. You will need the following

    • Social Security Number (or EIN)
    • Loan or Account Number
    • 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, see our online banking resources page (link to online banking page).

  • 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 an 8-digit verification PIN request through a text message or phone call.

    The phone number used for verification will be a phone number you provided for your loan application. Once logged in, you will be prompted to set up security questions to further protect your account.

  • Online Banking will prompt you for PIN verification and/or a security question anytime you use a new computer, new phone, new Wi-Fi, VPN or a public device to log in to your account. This is an added security measure to help protect your account and verify your identity.
  • No. If you signed up for automatic payments (PAID), we will handle scheduling your automatic bill payment. Please contact our Customer Care team at 1-855-800-7976 if you are unsure if you have signed up to avoid an accidental duplicate payment.
  • Yes! Once logged into the Online Banking system, select the Settings menu by clicking on your name in the upper right corner (or from the Mobile Menu if using the Mobile App), then Paperless Preferences. Check the box next to Turn Off Paper Statement and Turn Off Paper Bill. Select the Submit button to confirm your choice.
  • Yes. To transfer money to or from another account, please set up an external bank account. For more information on how to add an external account, please refer to our other FAQs.
  • To add an external account, log into Online Banking and select Transfers, then Transfer Accounts. Select Add Account then My Account at Another Financial Institution and enter your bank information and select Add Account.

    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 Vlink. Enter the two amounts that were sent to your external account to complete the process.
  • 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.

  • There are two ways within Online Banking to pay:

    1. You can use the Make a Transfer tool to schedule or make an individual payment; or

    2. You can use the PayNow feature to pay any and all bills currently due in one single transaction. Please note, 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 PayNow 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 Quicken / QuickBooks Download. Select the account and date range and then select the desired download type, Quicken or QuickBooks.
  • 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, right from the home screen.

    To view account details, select the Account Name from the home screen. 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 by selecting an account from the Account Summary screen and then selecting the Statements link.
  • Select your account from the Account Summary screen, expand the transaction in the Account Activity section and then click the View Check link
  • Our Online Banking tool has an in-app help guidance feature. Look for Help links throughout Online Banking for helpful tips and answers to frequently asked questions.

    If you still need assistance, please contact [email protected], or call 1-855-353-2854 (8:00 a.m. to 5:30 p.m. EST, Monday through Friday).

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