Run a comprehensive analysis of your bank's credit card portfolio

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Tel: 800-242-4770

Automated Card Expert (ACE) Tool

The ACE tool is available exclusively for FIS Direct Credit issuers on an ICBA Bancard program.

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. Secure and accurate, ACE provides instant data on all of your credit card plans so you can track key activity, thereby improving the profitability and health of your entire program.

ACE was the first tool of its kind designed exclusively for community bank credit card issuers to accurately analyze their new and existing card plans. ACE helps you understand – and reach – the true potential of your bank’s credit portfolio. Plus, ACE is FREE for ICBA Bancard participants!

ACE is a one-of-a-kind tool to help you analyze, compare, simulate and market your credit card portfolio. The Step-by-Step section of ACE is designed for your bank to view key metrics that are important to the health of your portfolio and includes several columns of valuable information such as “Peer Averages,” giving you customizable peer bank data or a default selection of other banks with account totals similar to yours.

Automated Card Expert (ACE) Tool

View Your ACE Reports

ACE Tool Tutorial

ICBA Bancard, in partnership with FIS, has created a free training module to illustrate how community banks can use the Automated Card Expert portfolio analysis tool. In addition to demonstrating the functionality of ACE, the module also offers sections on portfolio planning and goal setting.

Watch the Tutorial

Frequently Asked Questions

  • What is the Automated Card Expert?

  • Can more that one representative at my bank utilize ACE?

  • Is there a fee to use ACE?

  • How much time can I spend viewing my reports in Automated Card Expert?

  • Why has a new Top Peer Performers column replaced the Bancard Consolidated Average column in my ACE reports?

  • What if I don't see my question?

  • What if I can’t complete analyzing my program in one session?

  • I’ve just become a ICBA Bancard participant, how soon will I be able to analyze my bank’s data?

  • How is the ICBA Bancard Peer Average calculated on the Comparison to Industry Reports?

  • Where does the data used in the reports and graphs come from?

  • Is it safe to transmit my bank numbers over the Internet? Can anyone else view my information?

  • How are the ICBA Bancard averages calculated?

  • How are the Bank Input expenses allocated to the credit card plans?

  • How are the Cost of Funds calculated?

  • Why is there a slight difference in the report data and the graph data?

  • How is the Top Peer Performers column calculated?

  • Are the reports and graphs printable?

  • The links to the Marketing Manual are in Adobe Acrobat format. How do I view those?