About ICBND Card Services
The Independent Community Bank Services, Inc. (ICBS, Inc.) was formed in August 1989 by a handful of independent community bankers who had a vision: to create an organization that would help any bank—no matter how small—provide the best financial services for their community.
ICBS provides our member banks with a comprehensive menu of cutting-edge products that make running a card program easy and efficient. ICBS, Inc. is a bank service corporation serving the Independent Community Banks of North Dakota (ICBND), and is governed by its own Board of Directors.
Offering credit cards enables your bank to best serve your customers’ needs and to enhance the value of your current product offerings. The ICBS Credit Card Program gives your bank the opportunity to offer Visa credit cards at an affordable price—with customizable options. As the Issuer, your bank owns the receivables, which enables you to decide what type of pricing you’d like to offer your customers, and pick the options which best suit your bank’s needs.
To learn more about offering your own credit card program and to get a quote, email us or call us at 1-800-862-0672.
How it Works
It can be hard for independent banks to compete effectively in the credit card market. That’s why ICBS offers bank-branded credit cards to our customers. With help from the ICBS staff, even the smallest of banks can offer a credit card program. All participating member banks share in the costs—and because of their combined number of cards, they receive of a higher tier of interchange than if they operated alone.