Driving Innovative Payment Solutions for Community Banks

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7th
Largest Debit Card Issuer in the U.S.*

24th
Largest Credit Card Issuer in the U.S.*

$508m
in Combined Credit & Debit Card Revenue



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.



V1

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.

V2

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.

v3

Superior Product Development

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

v4

Dedicated Customer Support

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

v5

Dynamic Marketing Initiatives

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

v6

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. 



Solutions That Get You More 





Offers That Take You Further

 



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ICBA Bancard is an Affiliate Partner of




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Tina's Take

  • ThinkTECH Accelerator Finalists Demonstrate Their “Whys”

    Feb 26, 2019
    Tina Giorgio: Whether I’m working with banking professionals or with entrepreneurs in the fintech space, I have one key piece of advice: I ask, “What is your why?” and encourage them to focus on that response. Because, when they home in on that, everything else falls into place.
  • Real Talk About Real-time Payments

    Jan 31, 2019
    Tina Giorgio: There are many factors involved in creating a successful real-time payment system and one of those factors is education. This month I have invited Steve Ledford from The Clearing House to share some information about real-time payments and to provide an FAQ about the RTP® network. Steve is the senior vice president of products and strategy at The Clearing House.
  • 2018: A Year of Fresh..

    Dec 21, 2018
    Tina Giorgio: In an e-book published last week by PYMNTS.com, “Fresh” is how I described payments in 2018. I can’t think of a time when we’ve seen as many innovations emerge in this industry than the past 11 months.

News

TCM Bank Launches Travel Credit Card

Apr 25, 2018
Press Release Banner

 

Visa Signature product addresses today’s consumer spending patterns

Washington, D.C. (April 25, 2018)—TCM Bank, N.A., a subsidiary of ICBA Bancard®, announced the addition of the Visa® Signature Travel Consumer Credit Card to its product lineup. The new product helps community banks be responsive to consumers’ evolving payment needs and lifestyle choices.

Consumers are spending more on travel and experience-based purchases, with affluent households and older Americans driving this growth, according to Visa’s Spring 2018 Market Outlook report. Travel exemplifies this shift to quality-of-life spending with affluent households ($150,000+ income) spending $883 more for these purchases compared to seven years ago. Consumers aged 55 or older represent the largest increase in quality-of-life spending at 30 percent, or 19 percent of total affluent households.

“TCM continues to evolve and look for ways to enhance and add product features that fill a need for community bank customers,” TCM Bank President and CEO Damon Moorer said. “Visa Signature cards offer attractive rewards, redeemable for merchandise, lodging and travel, along with perks like concierge service, hotel discounts, travel and lost luggage insurance that compliment consumers’ desire for leisure, comfort and convenience-based products and services.”

Visa Signature is supported by TCM Bank’s U.S.-based customer services representatives and carries no annual fee. As the credit card issuer, TCM assumes all risk associated with card issuance.

“TCM helps community banks build and strengthen customer relationships with convenient payment options that are ideally-suited for today’s on-the-go customer,” explains TCM Bank Chairman Noah Wilcox and president, CEO and chairman of Grand Rapids State Bank in Grand Rapids, Minn. “In light of today’s economy, this new product offering will undoubtedly be well-received by community bank customers.”

About ICBA Bancard & TCM Bank. N.A.

ICBA Bancard® is the wholly owned payment services subsidiary of the Independent Community Bankers of America. ICBA Bancard’s community bank issuers generated $26 billion in sales volume in 2017 and are ranked collectively as the 25th largest credit card portfolio in the United States. Through ICBA Bancard, banks provide competitive payments solutions and ICBA Bancard provides exclusive services to issuers including its Fraud Loss Protection Plan, marketing support and product education. With nearly $300 million in assets, TCM Bank, N.A., a subsidiary of ICBA Bancard, provides credit card services for community banks including consulting, portfolio acquisition, product development and agent bank sponsorship. Through its Total Card Management® program, TCM helps banks promote their branded cards while limiting their exposure to risk and expense. For more information, visit www.icbabancard.org.

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What Our Clients Say



Testimonial_NoahWilcox1

"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

Testimonial_RobertaRobertson2

"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

Testimonial_DoyleMitchell

"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