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ICBA
ICBA

Total Card Management ®

TCM strengthens your bank, so you can strengthen your community.

TCM Bank, N.A., a subsidiary of ICBA Payments, helps your community bank grow with a well-rounded selection of credit cards that come without the hassle of starting and managing a program yourself.

We're partnered with over 750 community banks across the United States, and proud to meet the credit card needs of more than 530,000 customers!

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We are a community bank that believes in community banks.

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Credit Card Program

Through our agent Total Card Management® program, we help your community bank grow with a well-rounded selection of credit cards that come without the hassle of starting and managing the program yourself.

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Portfolio Purchasing

Credit cards are all we do. We’re the industry’s only purchaser of credit card portfolios dedicated to working with you instead of competing with you. That means we’ll never cross-sell other financial products to your customers.

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Cardholder Services

TCM issues credit cards on behalf of our community bank partners. If you are an existing cardholder, and have questions about transactions, payments, your credit limit, or other features of your credit card, we are happy to help.

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“TCM Bank is a wonderful partner bank for our Business Credit Card Program. The process of applying online is simple and straightforward. We get good communication from them and when issues arise on a credit decision, they allow us the opportunity to provide additional input.”

"I wanted to send a quick note of gratitude. First, as an Agent bank, we feel we made the right choice. Without a doubt, the support we get from the underwriting and customers service group is top notch. I have received numerous comments from the staff about how easy it is to work with your team."

"The onboarding experience was fantastic! Everyone did a great job in communicating and setting expectations. It has been the easiest onboarding experience I've ever had in implementing a new product/service."

"TCM is a wonderful company to work with, they are friendly, helpful, and responsive. Their online portal is user friendly and has great resources for the agents."

“TCM has been a great partner, managing our customers with a high degree of service, and communicating with our team during underwriting to help approve applications.”

News and Updates

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 tool within commercial banking and treasury management conversations.

6/30/26

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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 improving controls, reducing risk, and strengthening long-term relationships.

6/30/26

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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 Berkeley Springs, W.Va. and David Saber, president and chairman of Park State Bank in Minneapolis, Minn., to the TCM Bank Board of Directors.

6/30/26

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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 and credit performance continue to hold steady.

6/30/26

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Credit Card Growth Amid Regulatory Hurdles: Why Partnerships Matter for Community Banks

Community banks have long been defined by close relationships, local expertise, and deep trust within their markets. For many, partnerships with experienced providers like TCM Bank offer a smart and sustainable path forward.

3/2/26

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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, opportunities for fraudsters to exploit vulnerabilities continue to grow.

3/2/26

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