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!

Strengthen Your Community Bank Brand Loyalty with Business Banking Cards
If you are a community bank looking for ways to strengthen your community bank brand loyalty among your business clients, consider offering a competitive line of business credit cards. TCM Bank’s Business Agent Program is designed to help community banks streamline their payment processes, improve cash flow for business clients, and enhance brand recognition without the hassle and risk of managing them in-house.
What is the TCM Business Agent Program?
The Business Agent Program offers a simple, efficient way for community banks and financial institutions to provide their clients with a diverse range of branded business credit cards. These cards come with a variety of features designed to meet the unique needs of small businesses, larger commercial clients, local organizations, and non-profits. Instead of creating your own credit card program from scratch, partnering with TCM Bank allows you to offer market-leading payment technologies and customer service, with marketing support—all without the headaches of compliance and risk management.
Business Banking Card Products That Support Your Community
Platinum Business Credit Cards
Business owners can benefit from premium perks such as employee cards at no additional cost, integration with expense management systems, and consolidated statements. These cards also come with 24/7 customer support from real people, ensuring that businesses can manage their expenses efficiently and resolve any issues quickly.
Purchasing Cards
For organizations that require a streamlined procure-to-pay process, TCM Bank’s purchasing card provides a pay-in-full option and cash-back rebates. This product is perfect for businesses that want to enhance their purchasing operations while earning cash rebates for their spending.
Additional Business Credit Card Types
- Business Rewards Card
- Business Cash Rewards Card
- Business Edition Card
- Company Rewards Charge Card
Key Benefits of Partnering with TCM
Seamless Integration into Your Existing Operations
TCM Bank becomes an extension of your team, ensuring that the high-touch customer service your clients are used to is maintained. We offer dedicated client support representatives to help launch and support your new business credit card program.
Training & Promotional Support
To ensure that everyone within your community bank is equipped with the knowledge to maximize the benefits of the new credit cards, TCM Bank offers comprehensive staff training and educational resources. Plus, our multi-channel marketing support, including targeted cardholder campaigns, helps ensure that these cards stay "top of wallet"—making sure customers regularly use them and stay engaged.
US-Based Customer Support
At the heart of TCM Bank’s customer service is our U.S.-based contact center staffed with real people who offer personalized support. When your clients have questions or need assistance, they won’t be routed through endless menus—they’ll speak to a representative who understands their needs.
Strengthen Your Community Bank Brand Loyalty with TCM’s Business Banking Solutions
Partnering with TCM through the Business Agent Program enables community banks to provide a best in industry line of business credit cards. From helping local businesses grow with rewards and low-interest cards to offering non-profits the tools they need to manage finances seamlessly, TCM Bank’s suite of credit card products helps community banks strengthen their brand loyalty with businesses.
Get started and contact us today to learn about how TCM Bank’s Business Agent Program can help your community bank offer business credit card products while maintaining top-tier service for your clients.