Main Street Matters Blog

  • Latest Updates to SBA Paycheck Protection Program

    Apr 02, 2020
    There are many late-breaking developments from the Treasury Department and Small Business Administration on the Paycheck Protection Program, and we want you to be fully up to speed.
  • ICBA ThinkTECH Accelerator: Navigating the New Norm and Giving Back

    Apr 02, 2020
    The technologies community banks have deployed over the past decade—from mobile apps to remote deposit capture to contactless cards—mean that today, we can continue to access our finances, anytime, anywhere—even within the confines of our home.
  • Treasury Issues Paycheck Protection Program Information

    Mar 31, 2020
    Just as community bankers are working nonstop to support their local customers and communities amid the coronavirus outbreak, ICBA is working around the clock and committed to getting you the facts and resources you need as soon as possible so you can focus on running your bank.
  • Congress Passes Stimulus with Key Community Bank Provisions

    Mar 27, 2020
    While you have stood strong for your customers and communities, ICBA has been standing strong in Washington to shape and advance this critical legislation to support you during this uncertain time.
  • Key Provisions for Community Banks Secured in Stimulus Bill

    Mar 26, 2020
    Undoubtedly due to the tireless efforts of Team ICBA, community bankers secured key provisions in the stimulus bill that will help them continue to serve their customers and communities during this difficult time.
  • Standing Together For Our Communities

    Mar 23, 2020
    As the coronavirus emergency continues, ICBA has been working around the clock and through the weekend to ensure critical reforms and resources are available to help the nation’s community banks support American customers, small businesses, and the economy. Here is a quick update on some of the key reforms achieved on your behalf thus far and the latest information available.
  • Community Banks Remain Vigilant Amid COVID-19 Cyber Threats

    Mar 23, 2020
    As more and more consumers are moving to online banking during the coronavirus pandemic, some for the first time ever, criminals are looking for ways to take advantage of unsuspecting individuals.
  • How to Help Your Small-Business Customers During the Pandemic

    Mar 18, 2020
    During times of crisis, such as today’s COVID-19 pandemic, small businesses rely on community banks for help in navigating the volatility and in executing the right measures to maintain fiscal health.
  • Coronavirus Could Accelerate Decline of Cash

    Mar 13, 2020
    The coronavirus outbreak is raising concerns about the use of cash as more Americans embrace digital technology to pay and get paid. These ongoing trends will have a significant impact on community bankers, consumers, retailers, and policymakers.
  • Standing up for small business

    Mar 09, 2020
    Despite strong ICBA and community bank opposition, the Small Business Administration is moving ahead with a rule that could significantly harm its guaranteed lending programs.
  • ICBA LIVE ThinkTECH Showcase: Know Before You Go

    Mar 05, 2020
    What differentiates ThinkTECH Accelerator participants from the fintech world at large? The difference lies in the input, guidance and insights these companies receive from a distinguished network of industry leaders, including community bank executives.
  • Preparing your community bank for the coronavirus

    Mar 04, 2020
    On Jan. 30, the World Health Organization and U.S. Department of Health and Human Services declared public health emergencies in response to the rapid spread of the coronavirus. In this blog post, we offer tips to help community banks prepare for a possible coronavirus outbreak.
  • Accelerator: Driving Data Analytics and Reducing Fraud

    Mar 04, 2020
    Community banks with fewer resources and less money to invest in technology than their larger counterparts, may view using data analytics as being out of reach. It’s not.
  • Accelerator Addresses Financial Well-Being ​

    Mar 03, 2020
    Let’s face it. We’re not living in our parents’ financial services world. In today’s immediate gratification society, our concern lies more with what’s in our account this second than where it will be next week.
  • Accelerator: Supporting Customer Acquisition and Retention

    Feb 27, 2020
    In today’s economy, community bankers are looking more and more to their digital channels for new customer opportunities, especially those with the desire to attract mobile-focused millennials and Generation Z, or centennials as they are sometimes called. The numbers on digital spend, however, indicate there is room to grow.
  • Digital-First: Meeting Customers Where They Are

    Feb 25, 2020
    When it comes to financial services, almost 63 percent of the U.S. population uses digital banking. So, as a community bank, if you are not employing—or at least considering—a digital-first strategy for your customers, you should be.
  • Digital Wallets: An Overview

    Feb 20, 2020
    As customer expectations continue to shift, digital wallets—or mobile wallets as they are sometimes called—continue to grow in popularity as a preferred payment option. While adoption in the U.S. is still in its infancy, it is growing fast.
  • ThinkTECH Accelerator: Addressing Lending & Technology Pain Points

    Feb 18, 2020
    Community banks continue looking for ways to grow loan volume and improve the customer experience in the process. In today’s digital era, that means simplifying the front-end user interface and user experience as well as streamlining back-end operations.
  • Building ICBA’s Innovation Team

    Feb 07, 2020
    As an industry, we’re at a pivotal stage where the pace of change increases daily and digital transformation rocks our reality. But amidst everything, community bankers remain steadfast in putting the customer relationship first.
  • Into the weeds on the QM patch

    Feb 04, 2020
    The debate over housing-finance reform often ends up deep in the weeds, but the esoteric details are often of the utmost importance to community banks. Recent developments in Washington bear that out.
  • Finding 65 million consumers: Using alternative data to acquire new customers

    Jan 31, 2020
    Relationship banking is nothing new to community banks. Novel underwriting techniques and recent regulatory guidance have enabled community banks to understand and serve their customers even better.
  • Navigating a New Decade of Payments

    Jan 30, 2020
    From concerns about Libra to the development of the Federal Reserve’s FedNow real-time payments settlement service, policymakers are poised for action on behalf of their government, business and consumer constituents.
  • Resolve to Take Grassroots Action in 2020

    Jan 23, 2020
    Your perspective as a community-based, taxpaying business is exceptionally helpful to the people who write and enforce the regulations you (and credit unions) must follow. In this blog post, we’ll touch on our top priorities and give you the tactics you’ll need to help make your banking advocacy resolutions a reality.
  • New Driver of Payments Growth: Fed Study Shows Debit Transactions As Opportunity for Community Banks

    Jan 22, 2020
    The latest iteration of the Fed’s triennial study showed that in 2018, noncash payments¹ amounted to $97 trillion, with transaction volume reaching more than 174 billion. That kind of market opens new opportunities for community banks.
  • Capitalizing on Change in 2020

    Jan 14, 2020
    In banking, one thing is for certain – and that is change. With the advent of new technologies and solutions, education will be the indispensable complement to ensure community banks can take advantage of the opportunity these changes afford.
  • ThinkTECH Accelerator: Purposeful Development

    Jan 10, 2020
    As we welcomed in the new decade, ICBA signaled its ongoing commitment to community banking innovation with the launch of our second ICBA ThinkTECH Accelerator program.
  • Unexpected Benefits of ICBA’s ThinkTECH Accelerator

    Jan 03, 2020
    ICBA's Kevin Tweddle discusses unexpected benefits of ICBA's ThinkTECH Accelerator program with community bankers John Buhrmaster of First National Bank of Scotia, N.Y., and Scott McComb of Heartland Bank in Whitehall, Ohio.
  • Reflection and Ruminations

    Dec 30, 2019
    The oldest Millennials are pushing 40 and are well established in the financial services landscape, but with Gen Z—the elders of whom are college-aged—we have a digital native group with new expectations.
  • Same Day ACH: A Viable Faster Payments Solution for Community Banks

    Dec 16, 2019
    In 2018, Same Day ACH volume reached 178 million transactions, an increase of 137 percent over the previous year. As a readily available faster payments option, and one that many community banks are familiar with, Same Day ACH serves as a practical and immediate option to support your bank.
  • Relationships That Stand the Test of Time

    Dec 12, 2019
    Community banks have gotten it right again. With the evolution of technology and the rise of a movement to all digital-banking, others within the industry have been chasing new channels with fervor trying to find the silver bullet that ensures their relevancy.