Independent Banker - September 2020 - 20

More than 800 Community Banks Select
TCM Bank as a Credit Card Provider
What exactly does TCM
Bank, N.A. do for more than
800 community bank partners
across the U.S.?
" Make them more competitive " is one answer.
So is " Help with speed to market. "
Here are six reasons so many banks choose
to partner with TCM.
Revenue sharing without the risk.
Through the Total Card Management® program,
your bank can offer competitive credit
cards to its consumer and business customers,
without the responsibility of portfolio
management or the inherent risks associated
with a credit card portfolio. With TCM as
your partner, you enjoy zero liability and a
steady stream of non-interest income. We
take on the risks and bring you the rewards.
Personal service.
TCM Bank's program includes a dedicated
client relations team and training for key
members of your staff. Cardholder care from
TCM's in-house Customer Contact Center
is modeled on the exemplary personal service
that community banks like yours are
known for. Your customers can always reach
a customer care representative 24/7 online
or by phone.
Marketing support that keeps
cardholders under your brand umbrella.
All TCM-issued credit cards showcase your
bank's logo. So do the turnkey in-branch
and online marketing materials and applications
provided to you at no cost. (Optional
customized promotions are also available if
you prefer.) Your benefits: more customer
engagement, plus greater visibility in your
community.
Credit cards that can compete
with the big guys.
TCM's consumer and business card options
include all the bells and whistles consumers
expect to ensure " top of wallet " status.
Your customers will have the ability to make
digital payments and will enjoy 0% intro
rates, low APRs, and rewards that include
cash back or non-expiring points for merchandise,
gift cards, and travel.
Top-tier regulatory and
technological know-how.
As regulatory expectations grow, TCM
keeps agent banks prepared with a compliance
package that helps ensure examinations
go smoothly. Meanwhile, cardholders enjoy
state-of-the art ways to pay, contactless cards,
and enhanced analytics that guard against
fraud.
No cross-selling. Ever.
As a limited-purpose bank, wholly-owned by
ICBA Bancard, TCM has just one business:
credit cards. Cardholder data is never shared
with third parties, so agent banks need never
fear a rival poaching their customers.
TCM Bank listens and positions client
banks for credit card success. TCM is
uniquely guided by a board of directors
comprised of C-Level community bankers.
And, TCM works continuously in support
of ICBA, our parent organization. TCM
also meets regularly with select advisory
banks, receiving valuable feedback to listen,
learn, improve, and enhance our program.
If your bank is interested in improved market
positioning and earning more revenue with
zero liability, call Scott Wagner at 402-3325432
or email scott.wagner@tcmbank.com
for more information.
By Scott Wagner, senior vice president of business
development at TCM Bank, N.A.
PAGE 6 | BANCARD CONFIDENTIAL
Independent Banker - September 2020

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