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!
How to Improve Community Banking Customer Satisfaction in 2025 with a Cash Back Credit Card Program
In an increasingly competitive community banking landscape, offering a diverse line of credit card products can help your bank stand out. Our Consumer Card Agent Program allows banks to stay competitive while building stronger relationships with their customers.
Through this program, community banks can offer a range of branded personal credit cards, including cash-back cards, with less administrative burden of managing the card program internally. With a dedicated support team, customized marketing, and cutting-edge payment technologies, TCM Bank ensures that your bank delivers exceptional customer experiences while maintaining brand consistency.
TCM as an Extension of Your Team
Partnering with TCM Bank’s Consumer Card Agent Program offers significant benefits for banks looking to enhance their credit card offerings. By outsourcing the management of credit cards, banks can remain focused on what they do best, while TCM serves as an extension of their team.
Benefits of TCM Bank’s Consumer Agent Program
Dedicated Relationship Manager & Staff Training
Each bank partner is assigned a dedicated manager who ensures smooth communication, strategy alignment, and customer satisfaction. Your team will receive ongoing education, training, and promotion strategies to ensure they are equipped to sell and support your credit card products.
Customizable Marketing
The program provides personalized, multi-channel marketing campaigns that align with your bank’s goals, enhancing brand recognition and cardholder engagement. TCM assists in creating promotional campaigns to keep your credit cards "top of wallet" for your customers, ensuring frequent use and ongoing customer loyalty.
No Compliance Risk
TCM is responsible for compliance and takes care of any regulatory changes so your bank doesn't have to.
In-House Customer Contact Center
With a live, dedicated US-based customer service team, your community bank ensures that cardholders get the personalized service they expect, whenever they need it.
The MyCard Mobile App
One feature of our program is the MyCard Mobile App. The simple and secure way to manage the credit card account. Customers can make payments, view spend insights, lock their card if lost or stolen, and much more. The app helps ensure that your bank stays ahead of technological trends and enhances customer satisfaction with the utmost convenience.
Consumer Credit Card Options: Cash Back is King in 2025
Your community bank can offer a diverse array of credit card products to suit a wide variety of customer needs like cash back credit card benefits. Here are some of the most popular options.
Benefits of Partnering with TCM Bank to Offer Cash Back Credit Card Rewards and More
In 2025 your community bank can offer an attractive selection of credit cards while avoiding the hassle of internal management. TCM’s comprehensive credit card program ensures that your bank’s customers remain loyal to you.
Thinking about selling your credit card portfolio or starting a new one in 2025? Learn more about partnering with TCM Bank to get started.