TCM Agent Program

What is a TCM agent program?

TCM Bank's Total Card Management agent program provides a way for community banks to generate non-interest revenue from their own branded consumer and business credit cards without all the risk.

Portfolio Purchasing: TCM Bank is the only purchaser of credit card portfolios dedicated to helping you, not competing with you. If we purchase your portfolio, you can continue providing branded cards without losing control of your customer base.
Start-Up Portfolio: If you don’t currently offer credit cards, we can help you start. You’ll gain a profitable new revenue stream without the usual risk and costs of running a credit card program.

No Risk Plan
New account incentive	✔
Revenue share	✔
TCM is responsible for credit losses	✔
TCM is responsible for fraud losses	✔
Branded EMV plastics	✔
Branded online applications	✔
Branded Marketing	✔
Branded rewards program	✔

The TCM Bank difference

The TCM agent program offers a market competitive product suite, custom marketing, online applications, EMV plastics and much more. In addition, you’ll have the support of a dedicated client relations team, staff training and promotions to help grow your program.

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Market competitive products

The consumer and business credit card products offer competitive intro rates, low APRs, rewards, chip card security, fraud alerts, mobile payments, personal service and much more.
Rewards program

Our rewards program offers points and cash back. Points can be redeemed for merchandise, gift cards and travel. There are no blackout dates and points don't expire.
No risk and zero liability

Maximize your revenue and minimize your risk. Our no risk option provides a way to increase your non-interest income.
Turnkey marketing

In-branch and online marketing materials are available to you at no cost. We will also partner with you to develop custom marketing campaigns that will help retain cardholders and maintain “top of wallet” status.

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White label branding

All marketing materials, online applications and plastics include your bank's logo providing a fully branded customer experience and elevating your bank's identity within your community.
Training and education

We believe that staff education is key to a successful credit card program. Our client relations team will provide ongoing training webinars to keep your staff informed.
Compliance support

Regulatory expectations for vendor management are increasing and we want to ensure that our agent banks are prepared. With us, you'll have access to a compliance materials package that will help make your examinations go smoothly.
Personal service

TCM's in-house Customer Contact Center's approach is modeled on the close, personal service community banks provide their customers. You can be sure your customers are in good hands when they call the number on the back of their credit card.

TCM Agent Program

What is a TCM agent program?

No Risk Plan

The TCM Bank difference

For more information about partnering with TCM Bank, please call (800) 242-4770 or e-mail us.