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 Jay Hill to Senior Vice President, Transformation and Project Management

Nov. 04, 2022

Washington, D.C. (Nov. 4, 2022) — TCM Bank, N.A., the credit card bank of ICBA Bancard®, announced the promotion of Jay Hill from vice president of project management to senior vice president of transformation and project management.

"Jay is a consummate professional whose extensive knowledge of TCM's operations and collaborative approach has added tremendous value to the organization," TCM Bank President and CEO Damon Moorer said. "We congratulate Jay on his well-deserved promotion and look forward to leveraging his talents to support our clients, customers, and the communities they serve."

Hill has more than 25 years of financial services experience and joined TCM Bank in October 2007 as a project manager. He quickly established himself as a portfolio conversion expert while managing a variety of transformational projects, including the development of TCM's client portal, the launch of the bank's first online application, and critical bank operations insourcing. Recently, Hill assumed a lead role in the acquisition of several high-value credit card portfolios.

In his role, Hill will continue to work across departments to drive the successful implementation of projects aligned with TCM Bank's business objectives, through the effective allocation of resources to prioritize and manage projects—from inception to completion.

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 780 financial institutions across the U.S. and is proud to meet the credit card needs of more than 465,000 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 more than $34 billion in sales volume in 2021 and are ranked collectively as the 25th largest credit card portfolio and 11th largest debit portfolio in the United States. ICBA Bancard enables thousands of community banks to provide competitive payments solutions, including credit debit and merchant services. 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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