FIS Credit Card Services Overview

Helping community banks showcase their brand and protect against competition with a rich card program that enhances the customer relationship while adding to the bottom line.

In partnership with ICBA Bancard, Inc. FIS provides a comprehensive suite of products and services with customized credit card processing solutions that are uniquely tailored to your bank's business needs.

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About Our Credit Program

FIS Consumer and Business Credit Programs
As a direct issuer of your own credit card program, your bank is in control—allowing you flexibility and maximum profitability. Our full-processing support, turnkey programs and comprehensive marketing solutions for Visa and Mastercard credit card programs make day-to-day operations seamless. As part of its credit card services for community banks, FIS:

    • Performs daily settlement for Visa/Mastercard transactions
    • Generates operational reports
    • Provides 24/7 cardholder customer service
    • Provides online cardholder access (www.mycardstatement.com)
    • Handles lost, stolen and disputes (chargeback processing)
    • Manages cardholder loyalty, rewards and other enhancements
    • Embosses, encodes and mails plastics and PIN mailers
    • Generates and mails statements
    • Provides training and reference materials
    • Issues client bulletins on enhancements and new products
    • Offers fraud detection services, including neural networks (Falcon)
    • Monitors service levels and quality assurance board oversight
    • Provides optional marketing and maintenance services


    The ICBA Bancard Advantage

    • Preferential pricing
    • Visa and Mastercard sponsorship (optional)
    • No-cost portfolio analysis tool, Automated Card Expert (ACE)
    • Exclusive Fraud Loss Protection Plan
    • No-cost travel accident insurance
    • No-cost travel accident insurance
    • Education: webinars, publications, regional card education seminars
    • Dedicated Bancard client relations department
    • Visa/Mastercard campaigns
    • Plus, support for emerging products (i.e., digital wallets and EMV cards).