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Total Card Management® We are a community bank that believes in community banks.

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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.

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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.

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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.

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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!

"Personally, I value the 1-1 relationships I’ve developed with your team in handling cases and I know our teams do as well. Our relationship is truly one of the best FI/Vendor partnerships I’ve worked with in a long time." - ESSA Bank & Trust

"The onboarding experience was fantastic! Everyone did a great job in communicating and setting expectations. It has been the easiest onboarding experience I've ever had in implementing a new product/service." - INSBank

"I wanted to send a quick note of gratitude. First, as an Agent bank, we feel we made the right choice. Without a doubt, the support we get from the underwriting and customers service group is top notch. I have received numerous comments from the staff about how easy it is to work with your team." - First Citizens Bank

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Playing Catch Up: Top Banking Industry Trends 2024 to Prioritize

In 2024, the banking industry is undergoing a digital transformation, focusing on personalization, data, AI, and predictive engagement. TCM Bank, a leading player in this space, is aligned with these trends, offering innovative solutions to meet evolving consumer expectations.

Emphasis on Digital Capability Expansion

The journey began in 2021 with banks enhancing basic digital capabilities. This primarily focused on new payment options, integrating customer touchpoints, and simplifying online applications. While addressing mobile and web experience gaps, banks struggled to match the personalization consumers enjoyed with tech giants. TCM Bank recognizes the importance of bridging this gap, providing solutions that enhance customer journey intimacy and overall digital experience.

Recognizing Loyalty Imperatives in 2023

Banking industry trends in 2023 showed a surge in consumer desire for digitally native, customized interactions. Banks responded by mapping more complete journey experiences, emphasizing longer-term innovation. However, foundational analytics lagged, hindering insights into purchase preferences and emotional context clues crucial to prevent churn. TCM Bank, with its commitment to innovation, aims to enhance analytics capabilities, ensuring personalized emotional connections that define consumer lifetime value.

2024: Embracing the Data-Driven Mandate

One of the 2024 banking industry trends underscore a strategic shift, prioritizing improved data and analytics capabilities. This reflects the acknowledgment that personalized emotional connections now determine consumer value. TCM’s offerings align with this trend. Our solutions leverage data to create personalized engagements and recommendations.

Digital Transformation: The Long Road Ahead

The banking industry acknowledges the importance of the digital transformation, with TCM Bank at the forefront of this evolution. While progress has been made, the industry faces barriers such as extensive technology debt, organizational hurdles, and cultural challenges. TCM Bank's commitment to innovation and digital excellence positions it as a leader in navigating these challenges. The imperative for digital transformation will intensify, requiring banks to secure positions that thrive in serving digital generations ahead.

TCM Bank for Your Business Future

TCM Bank stands out in the financial landscape as a premier provider of innovative and tailored banking solutions, aligning with the evolving needs of both consumers and businesses. Offering a diverse range of credit card products, TCM Bank empowers community banks to elevate their brand presence without the inherent risks and complexities of managing credit cards independently.

Offer a Competitive Credit Card Product Suite

Through dedicated relationship managers, customizable marketing support, and a robust Total Card Management Program, TCM Bank becomes an extension of a financial institution's team, ensuring high-touch service and market-leading payment technologies. With a suite of consumer and business credit card products, including Platinum Rewards, Platinum Cash Rewards, Visa Signature, and secured cards, TCM Bank enables its partners to provide convenient, secure, and rewarding financial experiences to their customers. The commitment to digitalization, compliance support, and real-person customer contact center further solidifies TCM Bank's position as a trusted ally for institutions navigating the dynamic landscape of modern banking.

TCM Bank is a key player and aligns with the top banking industry trends for 2024. By prioritizing personalization, data-driven insights, and digital excellence, TCM Bank ensures it remains at the forefront of innovation, meeting the evolving needs of consumers in a rapidly changing financial landscape.