ICBA/TCM Bank

Our customers face the significant challenge of competing with major national credit card issuers while striving to maintain the personal, relationship-based service that defines community banking. That is why we, at TCM Bank, have dedicated ourselves to providing a comprehensive credit card partnership program designed specifically for community banks. We empower our partners to offer competitive, fully branded credit card products to their customers without the operational burden, financial risk, or regulatory complexities associated with managing an in-house card portfolio.

By handling every aspect of the credit card lifecycle—from underwriting and compliance to multi-channel marketing and 24/7 customer service—we ensure that community banks can focus on what they do best: building and nurturing deep relationships with their clients. Our solution allows banks to strengthen their brand visibility and customer loyalty, providing a seamless, high-quality experience that rivals that of the largest national competitors. We understand that every community bank is unique, which is why we offer flexible programs, including agent bank options and portfolio purchasing services for those looking to exit the card business while ensuring their customers remain in good hands.

At TCM Bank, we are more than just a service provider; we are a partner committed to the long-term success of community banks. We believe in the power of local financial institutions to drive economic growth and support their communities. By leveraging our specialized expertise and resources, we help our partners navigate the evolving payments landscape, ensuring they can offer modern, secure, and rewarding credit card solutions. With TCM Bank, you gain a partner who truly understands the unique value of community banking and is dedicated to helping you thrive in a competitive market.