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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How to Start a Credit Card Program for a Community Bank

Embarking on a credit card program is a strategic decision for a bank. The benefits of starting a credit card program for a bank include revenue growth and improved customer loyalty. TCM Bank, N.A., specializes in the best credit card programs for banks and can guide your bank through this journey.

Understanding Your Potential Cardholder Base: A Pivotal First Step

Launching a successful credit card program for banks requires an understanding of your potential cardholder base. Analyze existing customer demographics, spending habits, and preferences. TCM Bank, recognizing this crucial step, provides expert guidance to pair and launch products that will establish a new revenue stream for your bank.

TCM Bank: Your Trusted Partner in Credit Card Programs

  • Start-up Program and Existing Portfolio Purchasing without Competition

    TCM Bank ensures you retain control over branded cards, streamlining processes and expanding services without competition. Plus, if your bank is experiencing margin compression from a current fixed rate credit card portfolio, TCM can help.

  • High-Touch Service for Your Customers

    As an extension of your team, TCM Bank provides high-touch service through an in-house customer contact center, maintaining the personal connection between your bank and its customers.

  • Comprehensive Total Card Managementâ Program

    With start-up programs and portfolio purchasing options, TCM Bank offers shared interchange income, new account compensation, and is responsible for credit and fraud losses. The full product suite includes Personal, Secured, Business, and Purchasing credit cards.

  • Relief from Compliance Hassles

    TCM Bank handles the credit card compliance work, freeing your bank to focus on serving the community.

  • Multi-Channel Marketing Support and a Dedicated Relationship Manager

    TCM Bank provides marketing support and a dedicated relationship manager to guide your community bank through the entire process.

Get Started with the Best Credit Card Program for Community Banks

Initiating credit card programs for your bank is a significant step towards growth and profitability. At TCM Bank, we have a diverse product line of credit cards to offer for both personal and business customers. TCM Bank, with its expertise and tailored solutions, stands ready as your trusted partner. Expand services, attract new customers, and foster loyalty—all with TCM Bank, without the risk, liability, compliance work, and cost.