Independent Banker - May 2023 - 65

Next: The digital imperative 
card solution for your community
including start-up agent programs
and portfolio acquisitions. Here are
a few of the program details:
Consumer Agent Program
If your bank doesn't currently offer
credit cards, TCM can help. Its
Consumer Agent Program gives your
customers a wide selection of credit
cards branded with your bank's
logo. These card product offerings
range from helping build or rebuild
credit and points per dollar on net
purchases to unlimited reward
points and cash back.
All cards offer a mobile app,
mobile payments such as Apple
Pay, free FICO Score, tap to pay,
fraud monitoring and more. The
Consumer Agent Program offer
benefits such as:
 A dedicated relationship manager
 Staff training, education and
promotions
 Customizable multichannel
marketing support
 Cardholder campaigns to
maintain " top of wallet "
 Compliance support
 In-house customer contact
center-real people, not robots
Business Agent Program
TCM can help bring your
community's small businesses,
nonprofits and larger local
organizations a selection of business
credit cards through its Business
Agent Program.
Each card option includes perks
like employee cards at no added
cost, integration with expense
management systems, consolidated
statements and 24/7 customer
service support from real people.
Other Business Agent Program
benefits include:
 Dedicated relationship manager
 Business concierge service
As part of your bank's partnership with TCM Bank,
your customers will have access to high-touch
customer service designed to bring the same
kind of personal service that community banks
are known for.
 Staff training, education and
promotions
 Customizable multichannel
marketing support
 Cardholder campaigns to establish
your bank's card as " top of wallet "
 In-house customer contact center-
real people, not robots
Regardless of which agent program
your bank chooses, working with
TCM Bank helps your bank create a
competitive new suite of products for
your customers while maintaining
your brand identity.
In-house customer service
As part of your bank's partnership
with TCM Bank, your customers
will have access to high-touch
customer service designed to bring
the same kind of personal service
that community banks are known
for. With TCM's U.S.-based, in-house
customer service and online account
management, your customers can
get timely answers to any questions
that may arise with their TCM-issued
credit card.
QUICK STAT
191M
Americans have at least one
credit card account
Source: Forbes
Portfolio purchasing
If you're interested in selling your
bank's credit card portfolio, TCM will
evaluate your existing portfolio then
make a competitive offer, and you can
continue to provide branded credit
cards to your customers through the
agent credit card program.
Your bank can maintain control of
your customer base and as a credit
card-only bank, TCM won't cross-sell
any other financial products to your
customers. For more information
about TCM Bank, visit tcmbank.com.
Or if your community bank would
prefer to issue its own credit cards
to customers, a direct issuing option
is offered through TCM's parent
company ICBA Bancard. This option
allows your bank to maintain total
control over your credit portfolio
such as pricing, underwriting and
collections. To learn more about this
option, visit icba.org/bancard.
By taking full advantage of the
payment solutions offered by TCM
and ICBA Bancard, you can expand
the credit card services your bank
provides and better meet the needs of
your customers. 
Sofia Haan is a writer in Minnesota.
independentbanker.org // 65
http://www.tcmbank.com http://www.icba.org/bancard http://www.independentbanker.org
Independent Banker - May 2023

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