Total Card Management® We are a community bank that believes in community banks.
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.
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.
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!
TCM Bank Celebrates 25 Years of Service to Community Banks
Washington, D.C. (May 30, 2023) — ICBA Bancard®, the payments services subsidiary of the Independent Community Bankers of America (ICBA), announced that its credit card bank, TCM Bank, N.A., is celebrating its 25th anniversary this month. TCM Bank provides an alternative for community banks looking to offer customers the flexibility and protections that credit cards provide, while optimizing TCM Bank’s resources to manage all aspects of card operations.
“For 25 years, TCM Bank has provided community banks with comprehensive, competitive credit card offerings that address today’s market demands,” said TCM Bank Chairman Bill West who also serves as president and CEO of Tampa Bay Banking Co. “TCM Bank and its knowledgeable team are to be commended for reaching this important milestone. Not only have they continued to grow, but they’ve done so while staying true to their guiding principles, which align with how community banks value and serve their customers.”
TCM’s services include portfolio purchasing and agent bank credit card program options. Through its Total Card Management® program, TCM offers a selection of consumer and business credit card offerings. Program features include a dedicated client relations team, staff training, compliance support, multi-channel marketing, and an in-house Customer Contact Center to create a fully branded customer experience that elevates the bank partner’s identity within their local community.
“ICBA Bancard congratulates TCM Bank, its experienced leadership and talented staff who expertly navigate today’s challenging payments landscape,” ICBA Bancard President and CEO Tina Giorgio said. “Credit cards continue to be an important part of a well-rounded payments strategy, and TCM has become a leader in this space, helping community banks flourish and evolve through its partnerships and continuous innovation.”
By leading the bank with a ‘people-first’ mentality, TCM Bank has achieved record breaking sales volumes and portfolio growth. TCM Bank is partnered with over 750 community banks across the U.S. and is proud to meet the credit card needs of more than 530,000 customers.
“We are grateful for our community bank partners and the trust they’ve instilled in us, and we look forward to continuing to meet their needs,” TCM Bank President and CEO Damon Moorer said. “By investing in our people, technology, and our communities, we will continue improving upon the value we offer partner banks and the communities they serve for the next 25 years and beyond.”
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 750 financial institutions across the U.S. and is proud to meet the credit card needs of more than 530,000 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 $43 billion in sales volume in 2022 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 www.icbabancard.org.