Credit Card Solutions

Competitive, cost-effective credit card issuing options for community banks

Increase your non-interest income with credit card programs designed exclusively for community banks with options across the revenue and risk spectrum.
Explore your options
Bancard Education

Direct Issuer

Accelerate Your Bank’s Non-Interest Income

With greater risk comes greater rewards. As a Direct Issuer, a banks keep all revenue, control, and liability for their credit card portfolio. They set rates and fees, make underwriting decisions, and are responsible for all compliance, collections, staffing, training, and sales efforts.

By partnering with ICBA Payments for direct credit issuing, community banks gain access to these and other benefits that improve and support your program:

  • Preferential pricing

  • Network sponsorship

  • Our best rates on our Fraud Loss Protection Plan

We partner with FIS and Fiserv for Direct Issuing.

Bancard Advocacy

Agent Program

Receive No-Risk Revenue

We offer an Agent Issuer program through our subsidiary TCM Bank, N.A. that eliminates the risk of a Direct Issuer program while providing some non-interest income. The Total Card Management program helps banks grow with a well-rounded selection of branded credit cards that come without the hassle of starting and managing the program yourself.

Learn more about the agent program with TCM Bank.

Credit Cards

Explore Credit Card Program Options with ICBA Payments

Complete the form and an ICBA Payments representative will contact you to discuss your needs and identify the best payment solution for your bank.

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Program Enhancements for Direct Issuers with ICBA Payments

Fraud Loss Protection Plan

Recuperate losses on card fraud with this exclusive program on this processor agnostic benefit available to all ICBA member banks.

Dedicated Client Relations Support

We have a team of dedicated support staff to provide additional help when you need it.

Free Credit Card Portfolio Analysis Tool

Run a comprehensive analysis of your bank’s credit card portfolio with our ACE tool.