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!
Maximizing Value: Selling Community Bank Credit Card Assets
In today's financial landscape, community banks are increasingly considering selling their credit card assets to enhance profitability and focus on core operations. Selling these assets can unlock capital, reduce risk, and allow banks to concentrate on their primary services. TCM Bank offers tailored solutions to help community banks maximize the value of their credit card portfolios.
Key Benefits of Selling Credit Card Assets
Unlock Capital
Selling credit card portfolios frees up capital that can be reinvested into other areas like expanding loan services or enhancing digital banking platforms. This flexibility helps banks pursue growth opportunities and stay competitive.
Reduce Risk
Credit card portfolios carry risks, including credit and fraud losses. By selling these assets to TCM Bank, community banks can transfer these risks to a specialized partner, ensuring greater financial stability.
Focus on Core Services
Managing credit card portfolios requires significant resources. By divesting these assets, community banks can focus on providing personalized services like loans and deposit accounts, improving customer satisfaction and strengthening their market position.
Why TCM Bank is the Ideal Partner
Expertise in Asset Management
With extensive experience managing and acquiring credit card portfolios, TCM Bank delivers a seamless and efficient sales process, customized to meet the unique needs of each bank.
Comprehensive Product Suite
TCM Bank offers a wide range of credit card products, including personal, secured, business, and purchasing cards. This allows banks to continue providing competitive credit card options to their customers through TCM’s agent credit card program, even after the sale.
Revenue Sharing and Risk Management
TCM Bank provides attractive revenue-sharing opportunities, including interchange income and new account incentives. Additionally, TCM assumes all credit and fraud risks, reducing banks’ exposure while enabling much needed noninterest income.
Personalized Support
Each partner bank is assigned a dedicated relationship manager, delivering personalized service and support throughout the sale process as well as for the ongoing management of the relationship. This ensures a smooth experience and maximizes the value of the transaction.
Why Selling Community Bank Credit Card Assets Is Worth It?
Selling community bank credit card assets is a strategic move that can unlock significant value for your institution. By partnering with TCM Bank, you can ensure a smooth transition, ongoing revenue opportunities, and the ability to focus on your core banking services. Contact TCM Bank today to learn how they can help you maximize the value of your credit card assets.