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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.

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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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Lessons Learned by Damon Moorer

Dec. 12, 2019

TCM Lessons Learned

Lesson #1: In recent years, leadership success has undergone a paradigm shift due to next-gen servant leadership concepts. Service first leadership allows an organization to embrace it’s "why" or "purpose." Once the purpose is adopted, strong long-term performance follows.

Lesson #2: A “profit before people” philosophy does not sustain organizational excellence in today's marketplace. A “people before profit” philosophy improves organizational performance and associate engagement. This leadership model fosters healthy long-term performance and a culture of innovation.

Lesson #3: Empathy and trust are the keys to leadership. When leadership shows empathy and trust in those they lead, it is reciprocated. A climate of trust is built by leadership encouraging empathy, acknowledgment of errors, and celebrating lessons learned.