Total Card Management® We are a community bank that believes in community banks.

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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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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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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.

We Are TCM Bank

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!

"Personally, I value the 1-1 relationships I’ve developed with your team in handling cases and I know our teams do as well. Our relationship is truly one of the best FI/Vendor partnerships I’ve worked with in a long time." - ESSA Bank & Trust

"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." - INSBank

"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." - First Citizens Bank

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Simple ways to improve your financial awareness and grow

By Jim Simon

Tip #1: Monitor your credit report. Most credit card issuers provide you with your FICO score on each monthly statement. While notable changes in this score month over month can be used to alert you to something shifting in your credit profile, nothing replaces a full review of your credit report on at least a quarterly basis. Examine each trade line that is reported to ensure it belongs to you and that the payment history reported reconciles with your payment records.

Tips #2: Be wary of strangers in social media arenas: Facebook (or other social media) Groups are great places to meet folks who have similar interests as your own. As a member of the Group, you want to actively participate in dynamics of the group. Most questions posed in this group are innocuous (like is the dress color blue or gold), but some seemingly harmless questions may have ulterior motives.

Questions like: “What was the name of your high school and what year did you graduate?” or “Make and model of your first car?” seem harmless enough so you readily supply the information. Unfortunately, these questions are often used as questions to help identify yourself when resetting a password to a secured site (like your online banking portal). Be cautious in what you share.

Tip #3: Pay your bills when due: To maintain or improve your credit profile, always pay your bills when due. If for some reason you are unable to do so, reach out to your creditor and let them know what is happening and when they can expect payment on your account. Most creditors are willing to work with you as best they can as long as you maintain open lines of communication with them.