Q: Why did my bank partner with TCM Bank, N.A.?
A: Your bank is always working to find the best ways to help you manage your money. To provide
the best credit card services to you, they have decided to partner with TCM Bank.
Q: Who is TCM Bank?
A: TCM Bank has been providing credit card services to community banks for over 25 years. TCM
offers exceptional customer service through an in-house Customer Contact Center and are
dedicated to providing you with personal service, the kind you receive when you walk into your
bank branch.
Q: How can I activate my credit card?
A: You can activate your credit card online at MyCardStatement.com or by calling 1-800-456-6870 in
the U.S. or 727-570-4888 outside of the U.S
Q: What is MyCardStatement.com?
A: MyCardStatement.com is our online website where you can make payments, set up auto pay,
view account summary information, view past and current statements (12 months), download data
to financial software, view transaction and spending reports, go paperless with e-Statements, set up
email and mobile account alerts, dispute charges and more. If you are not enrolled already, then
you may register your card at MyCardStatement.com.
Q: How do I manage my account online?
A: You can manage your card via our online website, MyCardStatement.com. In this website you can
make payments, set up auto pay, view account summary information, view past and current
statements (12 months), download data to financial software, view transaction and spending
reports, go paperless with e-Statements, set up email and mobile account alerts, dispute charges
and more. If you are not enrolled already, then you may register your card at
MyCardStatement.com.
Q: Who do I contact for account information?
A: You can contact TCM’s customer service at 1-800-883-0131 24 hours a day, 7 days a week. This
number is also located on the back of your card.
Q: What is the customer service phone number and hours?
A: TCM Customer Service is here for you 24 hours a day, 7 days a week. The phone number is 1-800-
883-0131. Representatives are located in the U.S. and are dedicated to providing you with personal
service.
Q: How do I set up mobile payments?
A: To use Apple Pay®, Samsung Pay™ or Google Pay™, simply locate the wallet app pre-installed on
your device. Follow the instructions for scanning fingerprints, entering a PIN, and adding your new
credit card.
Q: How do I access my rewards account?
A: All rewards (points and cash back) are redeemed via www.cRewardsCard.com. In order to access
rewards, your account must be open and in good standing.
Q: How does my card get monitored for fraud and what is the Zero Fraud Liability policy?
A: Visa helps you regain control of your account and safeguard it for future use. With Visa’s Zero
Liability Policy you won’t be held responsible for unauthorized charges. Visa’s Zero Liability Policy
covers U.S.-issued cards and does not apply to certain commercial card transactions, or any
transactions not processed by Visa. You must notify your financial institution immediately of any
unauthorized use.
CONSUMER CARDS ONLY
Q: How can I check my FICO® Score?
A: FICO® Scores can be viewed on MyCardStatement.com. Cardholders can opt-in to view this via
the Account Services tab in MyCardStatement.com. FICO is a registered trademark of Fair Isaac
Corporation in the United States and other countries. FICO® Scores are updated monthly. You may
not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing
are not eligible.
Q: How does Cell Phone Protection work?
A: When cardholders pay their monthly cell phone bill with their TCM Bank issued consumer credit
card, they will automatically receive Cell Phone Protection at no additional cost. The protection
covers damage or theft for the primary and up to two secondary cell phones listed on the
cardholder’s monthly cell phone bill. Protection begins the first day of the calendar month after a
monthly payment of the cell phone bill is made. Coverage is up to $200 per claim or $400 per 12
month period with a $50 deductible. To learn more about this benefit visit the FAQ section at
www.cardbenefitservices.com or call 1-866-894-8569.
Q: Is there a mobile app for managing my personal credit card?
A: Yes, you can download MyCard Mobile from the App Store or Google Play. This app will allow you
to make a payment, check balance and transaction history, see enriched transaction data (with
location, merchant data, and map), lock lost or stolen cards, and more.
VISA SIGNATURE® CARDS ONLY
Q: How do I book hotels for the Visa Signature Luxury Hotel Collection?
A: Eligible U.S. Visa Signature cardholders may book hotels at VisaSignatureHotels.com and receive
special Visa premium card benefits. Some Restrictions and Limitations may apply. In cases where
one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal
value. Some hotels may provide one of the benefits as a standard feature of the room being booked.
In those cases, the hotel may or may not provide a substantial benefit of equal value. Resort fees
that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa
Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the
terms and conditions for each property.
Q: How do I see and book offers and deals from cruise lines?
A: You can view exclusive offers and deal from cruise lines (and more) for your Visa Signature card
by visiting www.visa.com/signature and navigating to “offers + perks.”
BUSINESS CARDS ONLY
Q: What are consolidated statements? How do I enroll?
A: Consolidated billing allows a business to combine the statements for all of their cardholders; this
allows for one payment for the balance due on all cards. Enrolled businesses will be able to access
the account transaction history and balance information for all cards with a single login at
MyCardStatement.com.
You can request additional information and instructions for enrolling in consolidated billing by
emailing business.maintenance@tcmbank.com with the name of your bank in the subject line.
Please also include your contact information in the email. Note: Email is not secure.
The principal or business owner must authorize the enrollment in the consolidated billing program.
Q: What is credit line sharing?
A: Credit line sharing allows you to maximize spending for employees by allowing cardholders to
share a single credit limit. Example: ABC Corporation has two cardholders, Bob and Sally, who have
been approved for a $10,000 limit. Instead of splitting the $10,000 limit between Bob and Sally’s
cards, the $10,000 limit can be assigned to both cards and shared between Bob and Sally on a firstcome, first-served basis. This gives Bob and Sally more spending power.
You can adjust the credit limits on your employees’ accounts to take advantage of this feature by
completing a business account maintenance form. To request a form, please email
business.maintenance@tcmbank.com with the name of your bank in the subject line. Please also
include your contact information in the email. Note: Email is not secure.
The principal or business owner must authorize the enrollment in the credit line sharing program.
Q: Does my business credit card have Auto Rental Collision Damage Waiver?
A: Yes, business credit cards do have Auto Rental Collision Damage Waiver as a benefit. To activate
coverage, complete the entire rental transaction with your card and decline the collision damage
waiver coverage if offered by the rental company. Restrictions apply if you have personal
automobile insurance covering this theft or damage.
Q: What is eZBusiness?
A: eZBusiness is a premier web-based commercial card management solution. Its industry-leading
technology and integration boasts the flexibility to optimize any commercial card program. Realtime features include: adding new cardholders, requesting new cards, requesting replacement
cards, reallocating existing limits, MCC and velocity maintenance, closing cards, and more.
Q: How do I enroll my business in the eZBusiness platform?
A: To learn more about eZBusiness and to enroll, please email the Business Account Management
team at business.maintenance@tcmbank.com. Note: Email is not secure.