Welcome to ICBA Bancard

ICBA Bancard is the wholly owned payment services subsidiary of the Independent Community Bankers of America® (ICBA) and has been managing payments solutions for the nation's community banks since 1985.

ICBA Bancard’s advocacy, education, and marketing support are valued benefits to clients of all sizes that trust ICBA Bancard for their payments needs.

About Bancard Latest News

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Buy Now Pay Later - What Community Banks Need to Know

In this webinar on demand, ICBA Bancard breaks down the what, why, and how of BNPL.
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Partners in Fraud Prevention podcast episode

This episode covers fraud prevention stories and tips.
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Employee Helpline

ICBA Bancard's Automated Card Expert (ACE) Tool

ICBA Bancard's Automated Card Expert (ACE) gives you the tools you need to run comprehensive financial analyses of your community bank’s credit card portfolio.
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Plan Manager Update

This guide was developed to assist ICBA Bancard client banks to edit and maintain their organization’s credit and debit program contacts.

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Contactless Payments

ICBA Bancard has compiled the below resources to educate your bank and market this product to your cardholders.

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Powerful Marketing Strategy

Continuing to provide the highest level of service and value to members, ICBA Bancard is offering a free one-year marketing subscription with a value of $1,500.

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Bancard Confidential

Keep your bank in-the-know with exclusive news, blogs and updates on payments, all written by experts in the subjects that matter most to you.

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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—tailored to your community bank.

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Superior Customer Support

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Fraud and Risk Mitigation

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Payments News and Insights

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Bank Marketing Strategy

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Exceptional Credit Programs

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Stand-out Debit Programs

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Jul 13 | NewsWatch Today

‘Buy now, pay later’ surge deflates merchant interchange push

While merchants are urging regulators to expand the Durbin Amendment, the recent surge of “buy now, pay later” is deflating their interchange arguments, according to ICBA’s latest blog post.

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Jun 30 | Press Release

North Dakota Banker Named to ICBA Bancard Board of Directors

ICBA Bancard, the payments subsidiary of the Independent Community Bankers of America, today announced that Sarah Getzlaff, CEO of Security First Bank of North Dakota in Bismarck, N.D. was elected to the ICBA Bancard board of directors.

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Jun 22 | Bancard Confidential

Visa SMB Pulse Payment Outlook and Trends

A recent Visa commissioned survey provides insights into credit usage by small- to mid-sized businesses (SMBs) in the United States.

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Apr 22 | Press Release

Banking Associations Raise ‘Significant Concerns’ with Proposed Changes to Fed Master Account Guidelines

A coalition of banking associations responded today to the Board of Governors of the Federal Reserve as it seeks to establish guidelines for how institutions applying for a Fed master account will be evaluated.

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Apr 18 | NewsWatch Today

ICBA: BNPL non-bank providers should face greater reg scrutiny

Regulatory scrutiny of Buy Now Pay Later programs should focus on non-supervised institutions that don’t need to comply with the same rules as banks, and may end up harming customers, ICBA’s Michael Emancipator told PYMNTS.

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Mar 30 | Bancard Confidential

ICBA Bancard is Here to Help

Our mission at ICBA Bancard is to deliver flexible, innovative payments and digital commerce solutions that allow community banks to flourish. To this end, ICBA Bancard’s relationship management team is here to help and is just an email or phone call away.

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In Their Words

"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

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Get a Free One-on-One Credit Card Portfolio Analysis

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.

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