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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Digital Payments Transformation Report and Resources

Access ICBA Bancard's report Digital Transformation: The Payments Business Model.
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Instant Payments Resources

Articles, tools, and webinars available to help community banks understand the ins and outs of instant payments adoption, use cases, and FedNow launch preparation.
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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 these resources to help educate your bank and market this product to your cardholders.

Discover Contactless

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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

News and

May 24 | NewsWatch Today

Past innovations offer insights on instant payments: blog

A new blog post from ICBA Bancard President and CEO Tina Giorgio reviews the evolution of digital payments and lessons for the current conversation about instant payments.

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Mar 2 | NewsWatch Today

Treasury lays out objectives of CBDC working group

A Treasury-led interagency working group charged with advancing work on a possible U.S. central bank digital currency has narrowed its objectives into three key policy areas, Treasury's Nellie Liang said.

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Nov 10 | NewsWatch Today

Lawmakers push Durbin Amendment expansion in must-pass bills

ICBA continues urging community bankers to speak out against a bill to expand on the Durbin Amendment as lawmakers seek to advance the measure during the lame-duck session.

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Nov 1 | NewsWatch Today

Fed official answering FedNow questions at webinar today

ICBA Bancard today is hosting a webinar to answer community banker questions about the mid-2023 launch of the FedNow instant payments service.

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Oct 14 | NewsWatch Today

Defense bill leaves out interchange measure, but ICBA campaign continues

The Senate version of a must-pass defense bill introduced this week excludes ICBA-opposed legislation that would create new credit card routing mandates, though the threat of the Durbin Amendment expansion remains.

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Oct 12 | NewsWatch Today

ICBA, state groups urge opposition to Durbin Amendment expansion

ICBA and 44 state community banking associations called on Congress to oppose legislation that would create new credit card routing mandates that expand on Durbin Amendment interchange restrictions.

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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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