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As Washington targets overdraft, community banks remain customer-focused
Officials in Washington have in recent months increased their focus on overdraft programs and policies. With community banks already subject to strict overdraft regulations, ICBA and community...
The Year of Hiking Cautiously: What a New Cycle of Interest Rate Hikes Mean for Community Banks
The Federal Reserve recently took a major step toward curbing inflation by raising the effective federal funds rate by 25 basis points. Here’s a look at what this means for community banks and...
Three Post-Pandemic Payments Trends and What They Mean for Community Banks
The pandemic has clearly had a lasting impact on customers’ payment behaviors, marked by an unprecedented rise in ecommerce transactions. Amidst this sea of change, community banks are asking,...
As Payments Grows in Importance, ICBA Actively Engages Key Policymakers
The importance of experienced advocacy of community banks’ payments needs has never been greater, which is why the ICBA Payments and Technology Policy team has imbedded resources into...
Merchants and Consumers Benefit from Credit Card Rewards Programs
The first rewards credit card was introduced by American Airlines in 1934 to help it sell tickets. Ninety years later, merchants accepting credit cards and issuing co-branded rewards cards continue...
How to Avoid the Repercussions of “Friendly Fraud”
Friendly fraud is on the rise, now accounting for up to 75% of all chargebacks. From kids using their parents’ cards to purchase items to flat-out falsification, friendly fraud occurs when a...
A Decade in the Making, FedNow Pushes Faster Payments Forward
The FedNow Service’s launch is a milestone in the Fed’s payments improvement journey, but it does not mark the end of the path. In the near term, ICBA urges community banks to focus on faster...
FedNow is Live. Now What?
FedNow launched on July 20—with eager anticipation from the payments industry. But in the past month, we’ve not heard much about transaction volume, use cases, or user experiences.