Credit Cards


ICBA Bancard - a CBSC Marketing Partner since 2010

Offering credit cards bearing your bank's name and logo can help keep your bank competitive. ICBA Bancard provides community banks with stable, cutting-edge credit card options to meet your bank's credit card strategy. As a direct card issuer, your bank owns its receivables, retains 100% of the interest income and fees, approves all applications, and can tailor its program to meet the specific needs of your customers. ICBA Bancard customers have access to special turnkey marketing programs, fraud loss protection coverage, and porfolio analysis tools.

Total Card Management Agent Card Program - a CBSC Marketing Partner since 2004

If your bank isn't ready to manage its own credit card program, or wants to sell an existing portfolio, the TCM Bank program is your answer. Your bank retains the relationship with the customer and a portion of the profit.

For more information on either of these programs, contact Mike Duke at 217-529-2265, or via email at



About Community BancService Corporation, Inc.

A subsidiary of Community Bankers Association of Illinois (CBAI), CBSC aggregates the “clout” of CBAI member banks to negotiate lower costs and provide improved access to essential bank products and services. CBSC recommends products and services that assist banks with income-production, expense reduction, consulting, marketing, compliance, equipment, insurance, lending, A/L management and payments. Before the CBSC board of directors awards any program an exclusive partnership, it is subjected to a rigorous due diligence review that includes extensive testing by members, occasionally by independent experts, and negotiation of special member-only benefits. This process typically takes up to six months.

Today, CBAI members use an average of more than five CBSC preferred providers. Last year, members collectively saved nearly $ 1.5 million in purchasing discounts from CBSC-recommended firms. Contact CBSC today and share in the savings.