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Tackling Familiar Cyber Threats with Smarter Tools
Cyber attack methods remain the same, but they’re being supercharged by AI and other technological capabilities.
How Each Bank Department Contributes to a Core Conversion
Core conversions are a huge undertaking, which is why every bank employee, from IT to HR, plays a critical role in the transition.
Customer Experience Through Strategic Innovation
Recent research from FICO shows that 88% of bank customers say experience is as important as or more important than products and services.
Strengthening Franchise Value: Community Banks’ Growing Use of Reciprocal Deposits
In an environment where deposit competition is intensifying and customer concerns about deposit safety remain top of mind, reciprocal deposits have emerged as a vital tool for community banks.
Understanding the Opportunities and Concerns for Agentic AI
Here’s what you need to know about the newest form of AI, known as agentic AI.
Up-and-Coming Bank Technology: Separating Innovation from Hype
Community bankers, fintech experts and consultants alike are keeping their finger on the pulse when it comes to the latest technology—with the goal of understanding what’s useful and what’s all hype.
Translating industry complexity into competitive advantages for community banks: Introducing Chrissy Ahern
Translating industry complexity into competitive advantages for community banks: Introducing Chrissy Ahern Get to know the staff members that support your bank and its payments business. We’re here...
ICBA asks court to reverse decision on debit card interchange fee case
ICBA asks court to reverse decision on debit card interchange fee case ICBA and other groups asked the Eighth Circuit Court of Appeals to reverse a North Dakota district court’s decision holding...
ICBA opposes Trump call to cap credit card rates at 10%
ICBA opposes Trump call to cap credit card rates at 10% ICBA and other groups expressed opposition to President Donald Trump’s call for a temporary 10% cap on credit card interest rates. Trump...
Romero Rainey urges stablecoin outreach ahead of markup this week
Romero Rainey urges stablecoin outreach ahead of markup this week With the Senate Banking Committee negotiating digital asset market structure legislation ahead of a markup set for this week, ICBA...
Banking and Credit Union Groups: Credit Card Mandate Would Harm Consumers and Small Businesses
Banking and Credit Union Groups: Credit Card Mandate Would Harm Consumers and Small Businesses Washington, D.C. (Jan. 13, 2026) — Following the Administration’s comments in support for the...
ICBA urges market structure grassroots, pushes back on credit card proposals
ICBA urges market structure grassroots, pushes back on credit card proposals ICBA President and CEO Rebeca Romero Rainey urged community bankers to continue contacting their members of Congress on...
ACH Network sees volume and value increases in 2025, Q4
ACH Network sees volume and value increases in 2025, Q4 The ACH Network showed gains in Same Day and standard ACH during 2025 and the fourth quarter, according to Nacha. Highlights: Full-year ACH...
G20 meetings to cover digital assets, cross-border payments, and fraud/scams
G20 meetings to cover digital assets, cross-border payments, and fraud/scams The Treasury Department announced the G20 Finance Track meetings for 2026, which include an emphasis on digital assets,...
Ways to Improve Community Bank Credit Card Risk Management
Ways to Improve Community Bank Credit Card Risk Management Financial fraud is evolving rapidly. As more consumers turn to online shopping, bill pay, mobile banking, and person-to-person payments,...
ICBA to participate in panels at EGRPRA meeting this month
ICBA to participate in panels at EGRPRA meeting this month ICBA will be participating in two panels during this month’s Economic Growth and Regulatory Paperwork Reduction Act outreach meeting in...
Strategies for Maximizing Debit Card Use
Strategies for Maximizing Debit Card Use We’ve come a long way since ATM cards launched at our bank in 1982: Now, debit cards are the payment of choice We’ve come a long way since ATM cards...
Debit as a Relationship Asset: Regulatory Developments Community Banks Should Watch
Debit as a Relationship Asset: Regulatory Developments Community Banks Should Watch With more than 100.7 billion transactions processed in 2023 alone—up from 37 billion in 2009—debit represents...
Fed requests comments on payment account proposal
Fed requests comments on payment account proposal The Federal Reserve Board requested public comment on its proposal to establish a payment account—also known as a "skinny” master account—that...
ICBA backs Nacha proposal to include Treasury bureau in ACH registry
ICBA backs Nacha proposal to include Treasury bureau in ACH registry ICBA expressed support for Nacha’s proposal to include the Treasury Department’s Bureau of the Fiscal Service in the ACH Contact...
ICBA seeks clarifications in Treasury rule restricting federal use of paper checks
ICBA seeks clarifications in Treasury rule restricting federal use of paper checks ICBA said it supports the overall objectives of a Treasury Department proposed rule to reduce the federal...
OCC proposes info collection under GENIUS Act
OCC proposes info collection under GENIUS Act The OCC proposed a new information collection that would include weekly and quarterly reporting forms for permitted payment stablecoin issuers under...
South Dakota Community Banker Trent Sorbe Joins ICBA Payments Board
South Dakota Community Banker Trent Sorbe Joins ICBA Payments Board Washington, D.C. (June 22, 2026) — ICBA Payments, the payments-services subsidiary of the Independent Community Bankers of...
Leading with Experience: Building the ICBA Payments Board
Leading with Experience: Building the ICBA Payments Board We are at a tipping point for payments innovation, and it’s never been more critical that community banks have access to the strategies,...
Putting Intentionality into Payments
Putting Intentionality into Payments When the industry talks about card innovation, the conversation almost always centers on scale—who has the biggest technology budget, the most features, or the...
Lending a helping hand when banks need it most: Introducing Miriam Funn and the ICBA Payments Client Relations team
Lending a helping hand when banks need it most: Introducing Miriam Funn and the ICBA Payments Client Relations team Get to know the staff members that support your bank and its payments business....
TCM Bank Appoints Two New Members to Board of Directors
TCM Bank Appoints Two New Members to Board of Directors TCM Bank, N.A., the credit card bank of ICBA Payments, today announced the election of Mark Harrell, president and CEO of CNB Bank Inc., in...
Choosing the Best Business Banking Card: A Guide for Community Bankers
Choosing the Best Business Banking Card: A Guide for Community Bankers For community banks, helping business clients select the best business banking card isn’t just about convenience. It's about...
What the 2026 Credit Card Outlook Means for Community Bank Services
What the 2026 Credit Card Outlook Means for Community Bank Services The U.S. credit card sector is heading into 2026 with a curious contradiction: consumer confidence remains shaky, yet spending...
Best Purchasing Credit Cards Explained | A Guide for Community Banks
Best Purchasing Credit Cards Explained | A Guide for Community Banks As business clients look for faster, more controlled ways to manage spending, purchasing cards (p-cards) are becoming a valuable...
ICBA releases guide on partnering with law enforcement to combat fraud
ICBA releases guide on partnering with law enforcement to combat fraud ICBA and the International Association of Financial Crimes Investigators released a guide on how community banks and law...
FedNow sees jump in volume, participation
FedNow sees jump in volume, participation The Federal Reserve said FedNow transaction volume grew more than 80% from the first quarter to the second. Details: In a newly released infographic and...
Marketing Toolkits for Banks
Home Marketing Guides Back In collaboration with Visa, ICBA Payments has developed a suite of free marketing and messaging guides to help your bank drive revenue through contactless, small...
Client Resources
Home Client Resources Back Contact Us As an ICBA Payments client, did you know your bank has a dedicated relationship manager? With decades of experience between them, our relationship managers are...
FLPP Claims Portal
Login and File Claim Example Text ICBA Payments' Fraud Claims Reporting System: FLPP participants can quickly and accurately upload fraud claims, review the status of any pending claims, and view...
ACE Tool
Login to ACE Example Text Schedule Consultation Example Text Yes. Each user at your bank can have their own user name and password, so you can view the information and reports that are important to...
Manage Account
Home Manage Account Back Manage Account Are you or a member of staff new to managing your card program? Please update your bank’s roster to ensure you never miss an important communication.
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Debit Card Solutions
Program Enhancements for Debit Issuers with ICBA Payments Innovative and Cost-Efficient Debit and ATM Solutions Debit cards remain the dominant consumer payments vehicle for community bank...
FIS Debit
Get Started Example Text Partnering with ICBA Payments and FIS for Debit issuing services gives your bank exclusive access to: Home Solutions Debit Card Solutions FIS Debit Back ICBA Payments' FIS...
Visa
Visa Sponsorship Opportunities for Community Banks ICBA Payments can sponsor your bank's application for becoming an Associate Member of Visa. Our programs also support Principal Members. Contact...
ICBA Payments Board of Directors
ICBA Payments, a wholly owned subsidiary of the Independent Community Bankers of America® (ICBA), has been managing payments solutions for the nation's community banks since 1985. We help power the...
Strategy and Education
Strategy and Education Home Latest In Payments Strategy and Education Back Strong payments strategy spans all types of projects and initiatives, from program marketing to the latest trends like...
Analyze Your Card Program
Home Analyze Your Card Program Back Analyze Your Card Program ICBA Payments offers a free analysis performed by staff experts to provide insights into your credit card portfolio. Together with data...
ICBA Payments Card Program Form
Get Started Example Text ICBA Payments offers card programs designed specifically for community banks. Our approach is tailored to give bank teams clarity, confidence, and control over every...
Debit Dominance: Unlocking the Potential of Debit Card Programs Whitepaper
Debit Dominance: Unlocking the Potential of Debit Card Programs Thank you for your interest in ICBA Payments newest whitepaper! Discover how community banks can ride the wave of consumer demand for...
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Topic Advocacy (537) Compliance (727) Consumer Financial Protection Bureau (CFPB) (258) Credit Unions (243) Crisis Preparedness (320) Cybersecurity (191) Digital Assets (294) Lending (480) Payments...
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Ready to enhance your payment offerings? Feel the rhythm at ICBA LIVE 2025! Jan 1, 2025 | Category I’m an ICBA Payments Client ICBA Payments clients who direct issue credit and debit card programs...
About Us
Home About Us Back ICBA Payments Careers Community banks strengthen, invest, and provide opportunities for the people and families in the communities they serve. ICBA Payments follows the example...
Credit Card Solutions
Free Credit Card Portfolio Analysis Tool Run a comprehensive analysis of your bank’s credit card portfolio with our ACE tool. Fraud Loss Protection Plan Recuperate losses on card fraud with this...
Digital Payments Transformation
Transformation Workbook Example Text Digital Payments Transformation As customer preferences shift and new technologies emerge, community banks must adapt their strategies to meet customer needs,...
Instant Payments
Download the FedNow Launch Webinar Series This webinar series hosted by ICBA Payments features speakers from the Federal Reserve Financial Services and is designed to help you create a plan for the...
FIS Credit
FIS’ Credit Suite includes: Contact Us Example Text 24/7 cardholder customer service Online cardholder access (www.mycardstatement.com) Robust, targeted marketing and advisory services Fraud...