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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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.

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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

Oct 3 | NewsWatch Today

ICBA urging outreach on 1071, credit card legislation

ICBA continues urging community bankers to reach out to their lawmakers on two key initiatives pending in Congress.

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Sep 27 | NewsWatch Today

Senate preps for vote on resolution to reverse 1071 rule

With the Senate set to act as soon as this week on a resolution to block the Consumer Financial Protection Bureau’s Section 1071 rule, ICBA is urging community bankers to urge their senators to support the measure.

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Sep 25 | Bancard Confidential | Bancard Confidential

Mid-year Checkpoint on Digital Payments Transformation

With over half of 2023 now firmly in the rearview mirror, we’re hoping community banks have put our digital payments transformation resources ( to good use—leveraging our whitepaper and workbook to refresh (or create) a digital payments strategy and accompanying roadmap.

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Sep 25 | NewsWatch Today

Key stakeholders join opposition to credit card routing bill

A key member of the House along with major airlines and transportation unions last week announced their opposition to legislation that would impose credit card routing restrictions, which ICBA continues urging community bankers to speak out against.

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Sep 22 | NewsWatch Today

ICBA opposing latest effort to advance credit card routing bill

ICBA continues calling on community bankers to urge their senators to oppose legislation that would impose credit card routing restrictions amid renewed efforts to attach it to government funding measures.

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Sep 20 | Press Release

ICBA Commends House Committee Passage of Bill Barring Creation of U.S. Central Bank Digital Currency

The Independent Community Bankers of America (ICBA) today commended the House Financial Services Committee for passing ICBA-advocated legislation to restrict the ability of the federal government to introduce a U.S. central bank digital currency.

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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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