The COVID-19 pandemic affects every aspect of banking including payments and fraud prevention. Use our resources to help you during this challenging time.

  • ICBA Bancard's Digital Payments Strategy Tool

    ICBA Bancard Digital Payments Strategy Guide is a unique interactive tool, designed in partnership with Aite Group, that helps community banks create a custom digital payments strategy for their consumer customers.

    Take the assessment

    Contact ICBA Bancard
    Tel: 800-242-4770
    Email: bancard@icba.org

    Unrivaled Payments Support

    Whether you're looking for credit, debit, ATM or merchant processing solutions, as an ICBA Bancard client, your bank benefits from added risk management programs, expert consultation, product education, turnkey marketing programs, dedicated customer service, and much more, tailored specifically to your community bank.

    ICBA Bancard 35 years

    ICBA Bancard Celebrates 35 Years of Service to Community Banks

    Bancard provides community banks with an extensive range of payment solutions and education. Additionally, it serves as an advocate for community banks in national policy discussion about the payments ecosystem.


    Preferred Pricing

    Representing thousands of community banks nationwide, ICBA Bancard negotiates for the best pricing on solutions and services on your behalf, providing preferred costs that would otherwise be unavailable to individual banks.


    Comprehensive Risk Protection

    Our Fraud Loss Protection Plan helps you limit exposure to losses stemming from the fraudulent use of credit and debit cards and comes with a card-not-present authentication solution free of charge to FLPP participating banks.


    Superior Product Development

    We provide optimal support for the integration of emerging technologies, such as digital wallets, mobile payments, EMV/chip cards, and more.


    Dedicated Customer Support

    ICBA Bancard helps maximize quality control and operational efficiency at your bank and treats your customers like their own.


    Dynamic Marketing Initiatives

    Get access to turnkey promotional materials for your bank, plus exclusive access to marketing resource guides to promote activation and usage.


    Timely Education & Training

    We strive to help community banks maintain their competitiveness and regularly host webinars, conferences and produce a number of newsletters on a wide-range of payments topics.

    “We take great pride in our mission to help community banks flourish and will continue to seek out products and services that create the best payments experiences for their customers.”

    — ICBA Bancard President and CEO Tina Giorgio


    Tina's Take

    • 7 Tips for Mitigating Synthetic Identity Fraud Risk

      Catching synthetic identity fraudsters remains difficult, and the fall-out of not detecting it, is substantial. AI company Coalesce estimates that synthetic identities account for more than 20 percent of losses in a loan portfolio, and for credit, they average 4.6 times the typical loss.
    • Positioning ICBA Bancard for the Future: What’s Your Why?

      Back in 1985, the first Macintosh computer debuted, and by today’s standards, it was a boxy, clunky, slow unit, yet Consumer Reports gave it a glowing review and cited the mouse and use of icons as technological breakthroughs. This demonstrates a key point: 35 years is a long time when we consider the rate of technological change.
    • Reflecting on ICBA Bancard’s 35-Year History of Success

      In celebration of ICBA Bancard’s 35th anniversary, I sat down with our Chairman Greg Deckard, president, CEO and chairman of State Bank Northwest to reflect on key milestones that have led to the organization’s success.



    Man Holding Credit Card

    ICBA Bancard offers free an analysis performed by ICBA Bancard staff experts, to provide insights into your credit card portfolio.

    With data provided by you below, and utilizing our own ACE credit portfolio analysis tool, we provide insights into your portfolio’s accounts, outstanding balances, revenue, and sales volume growth.

    Get your Analysis Now

    What Our Clients Say



    "I have come to the realization that we are no longer only a depository institution. We're a payments institution. ICBA Bancard helps me round out my services to give my customers access to funds - whenever and however they want - and ways to interact with their funds that fit their needs." 

    Noah Wilcox, President & CEO, Grand Rapids State Bank

    "ICBA Bancard's marketing support has been instrumental in helping to galvanize employees to showcase the value of of our credit card offerings."

    Roberta R. Robinson, Vice President, Compliance & BSA Officer, Centinel Bank of Taos
    "Our primary concern is that our customers are safeguarded against unauthorized charges on their accounts. Thanks to ICBA Bancard's Fraud Loss Protection Plan we have a level of protection that helps guard our bottom line too."

    B. Doyle Mitchell, Jr., President & CEO, Industrial Bank

    ICBA Bancard is an affiliate partner of Visa and Mastercard. Contact us to learn more about sponsorships.

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