CBAO Service Corporation

Let CBAO Service Corporation (CBAO-SC) help save your community bank time and resources by connecting you with one of our partners. CBAO-SC does the due diligence for you by negotiating substantial discounts and fee income opportunities that result in savings for both your bank and for your customers.

Contact Tim Chapman at (614) 846-2170 for additional information on any of the partners below.

+ Agent Credit Card Program

ICBA Bancard & TCM Bank
Allison Park, Pennsylvania 
Contact: Frank McGonagle at (470) 219-5468
TCM Bank, N.A. provides community banks access to comprehensive and innovative credit card issuing for both consumers and small businesses. Maximize your bank's credit card issuing revenue to give your bank the maximum benefits of a credit card portfolio while limiting or eliminating your exposure risks and costs. Competitive credit card portfolio valuation, consultation and purchase options are also available.

ATM Network and Debit Card Services

Johnston, IA
Contact: John Perry at (757) 496-5674 

SHAZAM pioneered the PIN-debit point-of-sale transaction, still used worldwide today. We’re the only nationwide independent, member-owned debit network, processor and core provider supporting community banks and credit unions. Since we don’t answer to shareholders, we can reinvest profits in technologies our clients need as they serve the next generation of consumers. SHAZAM ensures our clients have the products and services they demand and expect in a cost-effective way. Founded in 1976 and headquartered in Iowa, we’re a leader in payments and financial technology, with a simple mission: Strengthening community financial institutions. Visit us today at

Bank Equity

StoneCastle Financial Corp. 
New York, New York 
Contact: Joseph Healy at (212) 354-6500 

StoneCastle Financial Corp. is an investment company established to serve as an investor in publicly traded and privately held community banks seeking capital for organic growth, acquisitions, share repurchases and other refinancing activities. We are focused on investing our capital in long-term, passive, non-control investments.

Check Program

Main Street Inc.
Birmingham, Alabama 
Contact: Cynthia Glover at (866) 380-4816

Since 1998, Main Street, Inc. has partnered with more than 2,100 community-oriented financial institutions to enhance account holder relationships with affordable, simple and efficient checking programs. This family-owned company is a superior provider of customer service, program performance and growth solutions to financial institutions nationwide. To better serve their clients, Main Street launched TargetSmart, a data-driven marketing program that offers comprehensive analytics, targeted direct mailing, digital integration, creative services and print marketing. For more information, visit

Contract Negotiation

Strategic Resource Management (SRM)
Memphis TN
Contact: Uma Zielinski at 614-829-7686

SRM’s purpose is to improve our client’s bottom line, by adding measurable value that ties directly to our work product and to tangible quantifiable benefits for each of our clients. Founded in 1992, SRM is an independent management consulting firm that draws on extensive experience, market insight, and a proprietary benchmarking database to help clients across the U.S. and globally.

SRM employs a proven methodology to uncover cost savings, revenue-opportunities, and operational efficiencies. We specialize in aligning expenses with industry benchmarks and fostering supplier partnerships with a focus on quality and long-term stability. As a leader in enhancing the bottom line, SRM provides a fresh, innovative, results-driven perspective to supply chain management and purchasing strategy. Further, we utilize a no-risk performance-based business model for several of our engagements; if we cannot objectively demonstrate cost savings and/or revenue enhancement, we don’t get paid.

SRM’s subject matter expertise extends to every area where financial institutions have significant spending with third party vendors or where efficiencies can be gained, including core processing, digital technologies, automation, and mergers and acquisitions. Through our advisory services, SRM provides proven growth strategies, capabilities, risk and opportunity assessments, and technology strategies to meet the growing needs of our clients.



Credit Card Program

Madison, Wisconsin 
Contact: Lyle Krall at (608) 249-2270

A leading global provider of banking and payments technologies, FIS provides financial institution core processing, and card issuer and transaction processing services, including the NYCE Network to more than 14,000 financial institutions and businesses in more than 90 countries worldwide.

Disaster Recovery

MPA Systems, Inc. 
Fort Worth, Texas 
Contact: Gary Halstead at (972) 974-0944 

MPA Systems, Inc., a United Technologies company, has been providing modular buildings to financial institutions since 1962. Our disaster recovery program guarantees delivery of a modular building within 24-72 hours, which is free for 6 months and equipped with furniture, phones, drive-up windows, night depository, and alarm and surveillance systems, all for a low annual fee. In addition to our disaster recovery program, we offer buildings for sale or lease. Our buildings are built and designed for financial institutions and include drive-up windows, teller line with undercounter steel pedestals, and an after hours depository. Additional options include alarms, surveillance systems and remote drive-ups. We offer various sizes and layouts to meet your needs.

Fixed Income Broker/Dealer

ICBA Securities
Memphis, Tennessee
Contact: James L. Reber at (800) 422-6442 

ICBA Securities provides community bankers with quality investment products, services and education at competitive prices. Included are asset/liability and liquidity assistance, bond accounting and safekeeping, transaction analysis, performance profiles, and research assistance. ICBA Securities also has a mandated set of policies for the protection of the banker including rigorous sales rep requirements, a suitable security list, and a pricing policy that is determined by its Board of Directors (also community bankers).


Contact: Adam Berry at (208) 724-0309

Rising healthcare costs have led to increased adoption for consumer-driven healthcare solutions - including health savings accounts (HSAs). In 2020, 26% of employers offered HSA-qualified plans, up from 10% in 2009. HSA accounts have grown 222% over the last 5 years, with steady 20% YoY asset growth.

Banks seeking solutions to boost revenue and market differentiation can take advantage of HSA deposits and the relationships these accounts generate on both the commercial and retail sides of the institution.

Contact Lively to learn more about how leveraging the power of a high-quality HSA can help you and your bank drive new retail and commercial traffic through your branches, create new relationships to leverage into multiple product lines, achieve market differentiation, grow AUM and generate revenue across the entire institution. Download our brochure to learn more >>

Investment Portfolio Management

New York, New York 
Contact: Kim Weeks at (212) 354-6500 

One of America’s largest and most respected asset management firms dedicated to the U.S. banking industry, StoneCastle offers deposit and liquidity solutions including our StoneCastle Deposit Network and Federally Insured Cash Account (FICA®) for Banks.

IT Services

NetGain Technologies
Cincinnati, Ohio
Contact: Dave Thomas at (513) 236-2284

NetGain Technologies developed into one of the world’s top 100 managed IT service providers by creating solutions for business problems. NetGain Technologies has served community banks in the Southeastern and Midwestern region since 1984 from seven branch offices throughout the area. An industry-leading, secure network operations center staffed by more than 85 technicians and engineers—with more than 250 technical certifications—forms the core of Technology OneSource, the company’s award-winning managed IT services package for growth- and security-oriented companies. NetGain Technologies is SOC 2 Type II-certified, enabling the company to deliver a best-in-class service while maintaining confidentiality, privacy, processing integrity, availability, and security.

Merchant Services

FiNet, Inc. 
Boardman, Ohio
Contact: Richard S. Camardo at (800) 487-5577 

FiNet provides a liability-free and turnkey merchant services solution for community banks throughout Ohio and the rest of the country. With its only mission being to serve community banks, FiNet works to meet the unique needs of each of its bank partners. This unprecedented level of program flexibility provides FiNet’s bank partners with ultimate control over their program, along with dedicated service and support from FiNet’s in-house team and guaranteed revenue. For a bank’s business customers, FiNet offers the most up-to-date payment processing options, all designed to help manage their business more efficiently. Options include POS systems ranging from simple terminals to full multi-piece business management units, virtual terminals, mobile and integrated services and a variety of ancillary payment solutions including gift cards, invoice presentment and more. As a preferred partner of the CBAO and an Ohio-based company, FiNet’s focus is to serve Ohio’s community banks with the same care and understanding their customers, clients and merchants have grown to expect.

Office Supplies

Office Depot / OfficeMax
Contact: Christina Salas at 855.337.6811 ext. 12796

As the working world evolves, so does Office Depot. We’re thinking differently as a company and transforming our business from a supplies-based retailer to a comprehensive B2B platform provider and marketplace. In business, we all need that go-to resource that understands what you need and how to delivery it to you. At Office Depot, our workforce strives to always have your back, anticipate your actions and fundamentally make business success easier for YOU. We continue to be the trusted platform our customers rely on to start, manage and grow their business. By enrolling in the new Business Savings Program through CBAO, you can secure some exceptional savings on office supplies, ink & toner, custom printing and more. Enroll Today >>

Package Delivery

Lansing, Michigan 
Contact: Barb Mackie at 517-272-3629

CBAO members can now save up to 30% on an expanded portfolio of UPS air and international Express shipping. That's a significant savings over FedEx published rates! Simple shipping and special savings, it's that easy! For complete details or to sign up, click here

Risk Management

Brentwood, Tennessee
Contact: Jessie Hogue at (888) 370 - 5552 ext.7411 

Ncontracts is the leading provider of risk management solutions for banks. Our comprehensive and secure online product suite and team of exceptional legal, financial, technology, and client services experts enable community banks to successfully manage third-party vendor relationships and contracts, assess, address compliance risks, audit findings, replace manual tasks with time-saving and cost-cutting software and guidance. 

Staff Training

Lansing, Kansas
Contact: Guy Hatch at (860) 280-4152

We're CEOs, academics, entrepreneurs, West Point graduates - in short, we've been where you are. We've coached, guided, and empowered dozens of organizations to address key problems in meaningful, lasting, and sometimes surprising ways. Catalyzer builds leadership and organizational development programs, provides one-on-one coaching, delivers program-relevant assessments, and supports organizations across myriad strategic issues – from recruiting to succession. Catalyzer – Ignite Great!

Student Loan/Lending Services

College Ave Student Loans
Wilmington, Delaware
Contact: Reid Moehn at (619) 865-3395

The team at College Ave Student Loans learned from other complicated lending companies and decided to make getting a private student loan for college better. 
By specializing in student loans, they’re able to give you the attention you deserve and deliver loans that are simple, clear, and personalized for you. 

Whether you’re an undergraduate, graduate, or parent, you can get the money you need to reach your higher education goals.
With competitive rates, multiple repayment options, and a customer-friendly experience from application through repayment, they’ll help you find your best college loan in a way you can understand, and they’ll make it fast and easy.

Plus, they have the tools and resources to help you succeed and pay for school without the worry.