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!
Starting a Branded Credit Card Program for Consumers
In the ever-evolving landscape of community banking, deciding whether to offer a credit card program is a strategic move to enhance your bank's brand and provide valuable services to your customers. TCM Bank's Consumer Agent Program presents an opportunity to start a branded credit card for your customer base without the challenges of managing the myriad of necessary processes in-house.
Benefits of Starting a Branded Consumer Agent Program with TCM Bank
Risk-Free Branding
Launching a branded credit card for consumers through TCM Bank allows your bank to have branded credit cards with your logo without shouldering the associated risks and liabilities. This risk-free approach ensures that your brand remains a symbol of trust and reliability in your community.
Extension of Your Team
TCM Bank becomes an extension of your team, ensuring that the high-touch service your customers expect is maintained. The partnership leverages market-leading payment technologies and innovations to elevate your brand, creating a seamless and positive experience for your cardholders.
Dedicated Relationship Manager
The Consumer Agent Credit Card Program offers the support of a dedicated relationship manager who works closely with your bank. This personalized touch ensures effective communication, smooth operations, and a strong collaborative partnership.
Comprehensive Training and Education
TCM Bank provides staff training and education to equip your team with the knowledge and skills needed to effectively promote and manage the consumer credit card program. Empowering your staff contributes to the success of the program and enhances customer satisfaction.
Compliance Support
Dealing with compliance and regulatory requirements can be challenging. TCM Bank manages the compliance of the program ensuring that your branded credit card program adheres to industry standards and regulations.
Real People, Not Robots
The in-house, US-based customer contact center at TCM Bank is staffed by real people, not robots. This commitment to human interaction enhances customer service, providing cardholders with the support and assistance they need.
Branded Credit Card for Consumers
In conclusion, starting a branded credit card program for consumers with TCM Bank's Consumer Agent Credit Card Program is a strategic move to enhance your bank's brand, offer valuable card products, and strengthen customer relationships. The risk-free approach, coupled with dedicated support and innovative features, positions your community bank for success in the competitive financial landscape. Contact TCM Bank and dive into a journey of consumer-centric growth and financial innovation.
Related: Learn more about our wide-range of consumer and business credit card programs.