Total Card Management®

Consumer and Small Business Credit Cards

Maximize Your Revenue, Minimize Your Risk

Not every bank wants the risk and complexity of managing a credit card portfolio. That’s why TCM Bank, N.A., developed Total Card Management — a way for community banks to gain revenue from their own branded consumer and small business credit cards, without all the risk. We provide two different alternatives:

Purchase your Present Portfolio - TCM Bank is the only purchaser of credit card portfolios in the industry that is dedicated to helping you, not competing with you. We provide a ‘safe harbor’ where, you can continue providing branded cards without losing control of your customer base.
Start-up a Portfolio - If you don’t currently offer credit cards, we can help you start. You’ll be able to add credit cards to your current selection of financial products. Perhaps best of all, you’ll gain a profitable new revenue stream without the usual risk and costs of running a credit card program.

Advantages Community Bankers Ask For

At ICBA Bancard, the nation’s leading provider of payment services for community banks, we developed the Total Card Management program with options, value, and risk management features to suit your goals:

Improved competitiveness. The TCM program lets you go head-to-head with big competitors — without big expense or hassle.
Stronger customer relationships. By adding or maintaining a branded credit card program, you can build customer loyalty while improving your bank’s bottom line.
Personal Service - TCM's Customer Contact Center (C³) opened in 2011. The Center's approach is modeled on the close, personal service community banks provide their customers. You can be sure your customers are in good hands when they call the number on the back of their credit card.
State-of-the art fraud protection. You’ll be offering a custom financial product supported by a professional, competitive marketing program — all at no cost to you. Every time a customer uses your card, it will enhance your brand.
Stronger identity in your market. Instead of being tied up in day-to-day credit card administration, your employees can focus on building customer relationships and achieving your bank’s other objectives. TCM Bank will handle all aspects of card operations, such as compliance, underwriting, and delinquency management, while providing 24/7 online and telephone support for your customers.
Optimization of resources. As a subsidiary of the Independent Community Bankers of America, TCM Bank is entirely dedicated to helping the nation’s community banks compete and thrive. We pledge that we will never use information about your credit card customers to promote other products or services, and we will always give your customers the care and respect you would want them to receive.
Choose your risk level. You choose the level of income and risk that suits you. Contact us for an evaluation of your portfolio or to discuss a start-up agent program.

Case Studies

See how support from TCM Bank, ICBA Bancard’s credit card bank, has helped other community banks like yours develop and maintain successful credit card programs.

Farmers State Bank: Agent Banks Use Cards To Court Customers

Get Started with a Total Card Management Program

With Total Card Management, you’ll choose the level of income and risk that suits you, without the liability issues or operational headaches.

To find out more about the rewards of offering your own branded business credit card, e-mail us or call us at 1-888-640-1092 and select option 4.