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Largest Debit Card Issuer in the U.S.*

Largest Credit Card Issuer in the U.S.*

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.


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.


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.


Superior Product Development

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


Dedicated Customer Support

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


Dynamic Marketing Initiatives

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


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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Tina's Take

The Dawn of Artificial Intelligence

May 30, 2018

I just returned from the spring Finovate conference in Santa Clara, California. If you’ve never been to Finovate I would describe the event as speed dating with fintech companies. To cut through the clutter (and some of the hype!) presenters are put through a rigorous application process and if selected are given only seven minutes to provide a live demo of their product offerings. Over the two-day conference, 70 fintech companies showcased the very latest in financial technology innovations. Recurring themes were the power of data (data analytics) and the evolution of artificial intelligence (AI).

The power of big data is a concept that we are familiar with however I think we are only now just beginning to realize the potential of AI. Before I dive into present use cases, let’s warm up with a brief AI timeline.  

AI Timeline AI Timeline

With so many possible applications, it’s hard to predict the path that AI will follow, but we can, and should, examine present-day use cases to see where things are heading.

Loans - AI is used to expedite loan applications and determine the right loan to apply for.

Chatbots - A chatbot is a computer program designed to simulate simple conversations with humans over the Internet. Chatbots are being used for password resets and account inquiries.


Personal Shoppers - AI is used to help online shoppers find the perfect product.

Optimization - Websites and search engines are using AI for things like product placement and recommendations.

Health Care

Diagnosis - I already mentioned how AI is being used to diagnose cancer. It is also being used to identify sepsis in ICU patients before they show any symptoms, reducing fatality rates.

Test Results - AI can analyze things like lab results, MRIs, cat scans, and x-rays faster and more accurately than humans.


Grow Boxes - AI is being used to grow disease-free crops that are nearly perfect by measuring and controlling light, temperature, and moisture.

Crop Health and Harvesting - AI can identify weeds, deficiencies in soil, plant disease, and optimal harvest times. AI robots are used to spray the weeds, treat diseased plants, and pick the crops.

A growing number of industries are using AI and big data to do things faster with more accuracy and at lower costs. We are already seeing the deployment of chatbots and self-service technologies as a means of freeing up front line/call center staff from routine support requests. In fact, one of the Best in Show winners at Finovate was Conversation.one, a platform for conversation apps that companies can use to build and publish voice and chatbots with no programing, coding or complex integration.

In this dawning era of artificial intelligence, community banks will have many choices about how they deploy this new technology. Some banks will no doubt eschew bots and digital lending in favor of decisions made by real-life human beings, but others will opt for service that is always on. Either way, there will be an opportunity for community banks to differentiate themselves by offering the digital experience that best suits the expectations and needs of their customers, coupled with the unparalleled customer service and quality financial products for which community banks are known.


What Our Clients Say


"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

"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