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.


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 (
    • 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).