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!
Attract the Next Banking Generation with a Great Credit Card Portfolio
As the banking landscape evolves, community banks can attract the next generation of banking customers by offering a strong credit card portfolio that emphasizes local involvement and customer service.
Emphasizing Local Community Involvement
Millennials and Gen Z consumers are drawn to businesses that reflect their values, including social responsibility, sustainability, and financial inclusion. A recent survey found that Gen Z and millennial respondents were significantly more likely to switch their primary financial institution to one that prioritizes community support. By focusing on community reinvestment, financial education, and charitable initiatives, community banks can strengthen their brand and build deeper connections with younger consumers.
Competitive Credit Offerings
With increasing competition from major issuers, community banks must refine their credit card offerings to stay relevant. Implementing flexible, customer-centric products, such as secured and cashback credit cards, allows banks to cater to diverse financial needs.
Maximizing Operational Efficiency
Operational efficiency is key to profitability. By automating processes, improving compliance strategies, and outsourcing non-core functions, community banks can focus on customer engagement and growth. Partnering with TCM Bank’s credit card program gives community banks access to top-tier credit card products without extensive internal management.
TCM Bank: A Trusted Credit Card Portfolio for Community Banks
For community banks looking to expand their credit offerings while maintaining operational efficiency, TCM Bank offers a streamlined solution. Through our Consumer Agent Program and Business Agent Program, TCM Bank provides:
- Fully branded consumer and business credit cards.
- Dedicated relationship management and training.
- Customized marketing solutions aligned with community bank goals.
- Full regulatory compliance support.
- A competitive digital banking experience, including real-time fraud alerts and free credit score access.
By partnering with TCM Bank, community banks can build an impressive credit card portfolio while reducing administrative burden.
Get Started with TCM Bank
Looking to enhance your credit card offerings while streamlining operations? Partner with TCM Bank today to create a competitive credit card portfolio that strengthens customer loyalty, drives revenue growth, and attracts the next generation.