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!
ICBA Payments and TCM Bank Welcome Kelly Kroskie as EVP of Digital Transformation
Washington, D.C. (May 8, 2025) — ICBA Payments®, the payments subsidiary of the Independent Community Bankers of America® (ICBA), today announced the appointment of Kelly Kroskie as executive vice president, digital transformation for the organization and its agent bank, TCM Bank N.A. In this newly created dual role, Kroskie will lead critical initiatives to modernize technology and business operations across both organizations, ensuring optimal performance, compliance and customer satisfaction.
“Kelly brings a deep understanding of digital strategy and operational leadership that will help us evolve our payments offerings to better serve community banks,” said Jacob Eisen, who serves as CEO of ICBA Payments and TCM Bank. “Her proven track record of delivering innovative solutions and driving transformation across core banking and fintech environments makes her an invaluable addition to our team.”
Kroskie will oversee the end-to-end business model and technology transformation of ICBA Payments, while spearheading strategic initiatives at TCM Bank. She will also provide strategic direction and some operational oversight for both subsidiaries with direct oversight of cardholder support vendors and TCM Bank’s call center.
Kroskie joins ICBA from MVB Bank, where she served as chief operations and digital officer, leading banking operations, digital strategy, fintech integrations, and the project management office.
She holds a Bachelor of Science in Finance from Iowa State University.
About Payments
ICBA Payments, a wholly owned subsidiary of the Independent Community Bankers of America® (ICBA), has been managing payments solutions for the nation's community banks since 1985. We help power the potential of ICBA members through payments-related innovation and education to help community banks navigate the payments ecosystem and select suitable offerings at favorable pricing—helping community banks compete and thrive. For more information, visit icbapayments.com.
About TCM Bank
TCM Bank, N.A., a subsidiary of ICBA Payments, provides credit card solutions to community banks including portfolio acquisitions and start-up programs. Through the Total Card Management® (TCM) Program, banks can bring individuals, small businesses, and larger local organizations a well-rounded selection of credit cards branded with their logo — without the risk, liability, or hassle of starting and managing the credit cards themselves - all while earning non-interest revenue. TCM is partnered with over 750 community banks across the United States, and proud to meet the credit card needs of more than 580,000 customers.