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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TCM Bank N.A., promotes three leaders to executive level positions

Jan. 11, 2022

ICBA Press Release Banner 2020

Washington, D.C. (Jan. 11, 2022) — TCM Bank, N.A., the credit card bank of ICBA Bancard®, announced the promotions of three of its executives, Terri Howard as executive vice president and chief people officer, C.J. Littrell as executive vice president and chief operating officer and David Gonzalez as executive vice president and chief risk officer.

“Terri, C.J. and David are key members of TCM Bank’s executive management team and have earned the respect of their colleagues for their leadership and commitment to the advancement of our industry,” said TCM Bank President and CEO Damon Moorer. “I’m proud of the incredible work this team has accomplished and look forward to engaging these exceptionally talented individuals in service of our community bank members.”

Howard joined TCM in June of 2021 as senior vice president of people and culture and has more than 25 years of human resources experience. She oversees TCM’s talent strategy and ensures alignment with the bank’s people-first culture and guiding principles and serves as TCM’s DEI Committee vice-chair.

Littrell joined TCM in 2016 and has more than 16 years of banking experience. For the past year, Littrell served as senior vice president of client solutions working closely with TCM’s agent bank partners to help grow their credit card portfolios. In his new role, Littrell will lead the bank’s operations team, including contact center operations, product management, client relations and marketing.

Gonzalez joined TCM in 2019 as senior vice president, audit and risk. He is responsible for all enterprise risk functions including audit, compliance, community engagement and information security. Gonzalez brings more than 18 years of experience working in the finance industry and serves as TCM’s Community Involvement Committee executive liaison.

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 Bancard

ICBA Bancard® is the wholly owned payment services subsidiary of the Independent Community Bankers of America. ICBA Bancard’s community bank issuers generated nearly $32 billion in sales volume in 2020 and are ranked collectively as the 24th largest credit card portfolio and 10th largest debit portfolio in the United States. ICBA Bancard enables thousands of community banks to provide competitive credit card, debit card, and payment processing solutions. The company also provides exclusive services to issuers including its Fraud Loss Protection Plan, marketing support, and product education. For more information, visit

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