About TCM Bank, N.A.

A partner in building customer relationships

TCM Bank, N.A., a subsidiary of ICBA Bancard, serves as a trusted advisor to community banks, helping them build and strengthen customer relationships with fully branded consumer and business credit card programs. TCM’s services include credit card program consulting, portfolio acquisition, product development and agent bank sponsorship choices.

Like our parent organization, ICBA Bancard, TCM Bank is committed to Main Street America. We base our operations in the U.S., including our Customer Contact Center. We believe the cardholders we serve are first and foremost our agent banks’ customers. Our priority is making sure our customers receive the same personal attention they get when they walk into a community bank branch. Plus, we do not cross-sell banking or retail products to our agents’ customers. TCM’s only product is credit cards.  

In addition, a portion of our profits go back into programs that benefit our community banks. This is what sets TCM Bank apart from the other agent programs in the marketplace.

How we provide value to agent banks

Through our Total Card Management® program, we help community banks promote branded cards while limiting their exposure to risk and expense. We have the ability to service large and small community banks with a customizable and flexible credit card program. 
       
  • Consumer and business card products
  • Reward programs
  • No risk and zero liability
  • Turnkey marketing
       
  • White label branding
  • Training and education
  • Compliance support
  • In-house customer service

With community banks’ risk tolerance and market position in mind, TCM Bank can also provide an objective assessment of your credit card portfolio with recommendations to improve bankers’ bottom line.

Find out more about our products and services

TCM Bank History

In the 1990s, increasing competition forced community banks to consider their credit card options. While many banks were interested in offering credit card products, some did not have the resources to succeed as direct issuers. Others were committed to credit card issuing, but needed expertise to maximize their business and portfolio development. In 1998, ICBA Bancard addressed this need by founding TCM Bank, N.A. and developing the Total Card Management® agent credit card solution.

TCM=Total Card Management


TCM Bank has been in business for over 19 years. Our goal remains the same - support relationship banking by treating our clients and customers with the same level of personal and professional service that community banks deliver each and every day. 

We are now partnered with over 750 financial institutions across the United States, and proud to meet the credit card needs of more than 300,000 customers.

 

Annual Reports

Please email us if you are a prospective client and would like to request a copy of our annual reports.