Welcome to TCM Bank, N.A.  We’re part of the Independent Community Bankers of America and we manage this credit card program for community banks. If you are a cardholder and have questions about transactions, payments, your credit limit, or other features of your credit card, please refer to the below information. We look forward to helping you in any way we can.

24-Hour Customer Service

Within the U.S.: 1-800-883-0131
Outside the U.S.: 1-813-868-2891

  • Balance and statement inquiries
  • Make a payment over the phone
  • Report a card lost or stolen
  • Dispute transactions

Online Account Management

You can manage your credit card account online at

Once your account is enrolled, you can:

  • Make payments
  • View your FICO® Score*
  • View statements, transactions and spending reports
  • Enroll in eStatements
  • Set up account alerts
  • Dispute transactions
  • Download data to financial software

cRewards® Program Information

For complete rewards program details, along with a list of merchandise and travel awards, visit You can browse the rewards catalog without logging in.

For general reward information, terms and conditions: 
Call 1-866-544-0406 (24 hours a day, 7 days a week, closed major holidays)

For travel reservations:
Call 1-844-470-5666 (Monday - Sunday, 8a.m.-12a.m. EST)

Cardholder Disclosures

For questions about terms and conditions, or to obtain a copy of the terms and conditions applicable to your account, please call Customer Service at 1-800-883-0131.

Cardholder Agreements

View a copy of the Consumer Cardholder Agreement
View a copy of the Secured Card Cardholder Agreement
View a copy of the Business Cardholder Agreement

Privacy Notice

TCM Privacy Notice

Important Disclosures

View a Copy of the Important Disclosures

*FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.