CBAO Service Corporation

Save resources and time by taking advantage of CBAO’s products and services. CBAO Service Corporation negotiates, for the benefit of CBAO members, substantial discounts and fee income opportunities. These discounts save CBAO members over $1 million annually. Through CBAO's partner program, members are able to offer discounts and fee income opportunities to their customers, resulting in substantial savings for the customer, and increased fee income to CBAO's members. We partner with providers of the highest quality products and services,  so due diligence is done for you. 

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

SHAZAM 
Nashotah, WI
Contact: Andy Huth at (800) 278-8150 

As one of the last member-owned and member-controlled EFT networks and processors remaining in the industry, SHAZAM is committed to operating for the benefit of our financial institutions and maintaining our independent, not-for-profit business philosophy. Our participating institutions have provided our direction and focus for over 30 years, resulting in the creation and provision of solutions for ATM processing, debit card processing, business debit cards and health savings account debit cards, surcharge free alliances, fraud detection and case management, effective marketing campaigns, ACH services, merchant services, IT risk assessments and security assessments, and core processing. SHAZAM's mission is to provide and enhance the opportunity for our affiliated financial institutions to compete effectively and profitably in the marketplace through the delivery and support of these quality, comprehensive, innovative and timely electronic financial services. We will provide all services at the lowest possible cost without compromising quality or reliability. 

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 www.mainstreetinc.com.

Credit Card Program

FIS
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).

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.

+ 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.

Merchant Services

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

FiNet offers a no-liability turnkey merchant services solution for financial institutions interested in professional service, competitive pricing and a customized program. Our program allows your business customers to manage their business processes more efficiently and provides a superior payment solution, offering secure solutions for credit and debit cards (including virtual and mobile terminals), checks, recurring payments, cash advances, loyalty/gift cards, pre-paid cards and electronic invoice presentment. As the CBAO endorsed merchant services provider, our focus is to service community banks with the same care and understanding your customers, clients and merchants have grown to expect.

Package Delivery

UPS
Lansing, Michigan 
Contact: Barb Mackie at (800) 325-7000

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

Staff Training

Catalyzer
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!

Risk Management

NContracts
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.