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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Ken Singh Named to ICBA Independent Banker’s 40 Under 40: Emerging Community Bank Leaders List

Tampa, Fla. (July 8, 2021) Independent Banker magazine, the award-winning monthly publication of the Independent Community Bankers of America (ICBA), unveiled its annual 40 Under 40: Emerging Community Bank Leaders list.

The award recognizes the nation’s up-and-coming community bank innovators and influencers who represent the future of the industry. Ken Singh, executive vice president and chief financial officer at TCM Bank, N.A. is named to the list.

“ICBA congratulates Ken Singh on this well-deserved honor,” ICBA President and CEO Rebeca Romero Rainey said. “Ken is part of a diverse and talented group of community bank professionals selected this year for their great resiliency and a willingness to do what it takes to meet the needs of their communities. We’re pleased to recognize Ken for his willingness to find opportunities to lead and whose actions demonstrate an adherence to the values of community banking.” 

The feature story in the June issue of Independent Banker highlights how the 40 Under 40 honorees have overcome challenges and answered calls for innovation while staying true to the guiding principles that make community banking special. Chosen from hundreds of entries, candidates were judged on the following criteria: character, leadership, community involvement, and innovation. Bank technology services provider FIS, of Jacksonville, Fla., sponsored this year’s program.

“I’m honored to be in the company of such a distinguished group and to represent TCM Bank,” Singh said. “I’m thankful to be part of this great industry and to work alongside my community bank colleagues to make a positive impact in the lives of our customers and our communities.”

As chief financial officer, Singh helps lead the bank’s financial activities and is responsible for its accounting and finance operations, asset liability management and the development of its financial strategy. In 2020 he was also elected as TCM Bank’s DEI Officer.

“Being nationally recognized as an industry leader is no small feat,” TCM Bank President and CEO Damon Moorer said. “We are so proud of Ken and everything he has accomplished and thank him for his hard work and dedication to the TCM family, the bank’s mission, and our guiding principles.”

 

About TCM Bank, N.A.

TCM Bank, N.A., a subsidiary of ICBA Bancard, provides credit card services for community banks including portfolio acquisition and agent bank sponsorship. Through the Total Card Management® credit card program, TCM offers superior community bank service and provides banks with compliance relief, improved market positioning, speed-to-market technology, and marketing support—all with no risk and zero liability. TCM Bank is now partnered with over 800 financial institutions across the U.S. and is proud to meet the credit card needs of more than 320,000 customers.

 

About ICBA

The Independent Community Bankers of America creates and promotes an environment where community banks flourish. ICBA is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education, and high-quality products and services. 

With nearly 50,000 locations nationwide, community banks constitute 99 percent of all banks, employ more than 700,000 Americans and are the only physical banking presence in one in three U.S. counties. Holding more than $5 trillion in assets, over $4.4 trillion in deposits, and more than $3.4 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation and fueling their customers’ dreams in communities throughout America. For more information, visit ICBA’s website at www.icba.org.

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