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

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.

ICBA Bancard & TCM Bank
Allison Park, Pennsylvania

Website   Email
  Call: (470) 219-5468

ATM Network and Debit Card Services

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

Johnston, Iowa

Website   Email
Call: (757) 496-5674 

Bank Equity

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.

StoneCastle Financial Corp
New York

Website   Email 
Call: (212) 354-6500 

Check Program

Since 1998, Main Street has partnered with more than 2,100 community-oriented financial institutions to enhance account holder relationships with affordable, simple, and efficient checking programs. We deliver straightforward check products at competitive prices coupled with a seamless level of service. Whether you are seeking to improve service to account holders, streamline team’s workload or boost profitability, we are here to help you achieve your goals. Visit us online at

Main Street Inc.
Birmingham, Alabama

Website    Email
Call: (205) 323-0224 

+ Contract Negotiation

DECREASE COST, INCREASE REVENUES, ADD VALUE 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. 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.

Our methodology aligns expenses with industry benchmarks and fostering supplier partnerships with a focus on quality and long-term stability. And 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 contract optimization and negotiation expertise applies to every area where financial institutions have significant spending with third party vendors, including core processing, digital technologies, automation, and mergers and acquisitions. And our strategic advisory services are available to help our clients manage through transformation and change. Notably, SRM was one of the first firms to focus on helping banks develop a cryptocurrency strategy to prepare for the future. Additionally, SRM’s Account Boost marketing solution is helping banks increase loyalty, bolster cross-sell activities, and make more out of their customer data. 

Strategic resource management (srm)
Memphis TN

Website   Email 
Call: (614)-829-7686

Credit Card Program

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.

Madison, Wisconsin

Website   Email 
Call: (608) 249-2270

Disaster Recovery

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.

MPA Systems, Inc
Fort Worth, Texas

Website   Email 
Call: (469) 568-2137 

Fixed Income Broker/Dealer

ICBA Securities provides a full suite of investment products and services for community banks through its exclusively endorsed broker, Stifel.  Included are traditional debt securities, interest rate products, whole loans, and M&A and bank valuation services. Stifel also has state-of-the-art asset/liability and bond accounting products. It offers investment banking services through KBW.  ICBA Securities, a wholly owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals.  ICBA Securities is endorsed by 34 affiliated state banking associations, and is the only broker/dealer owned by the community banking industry.  

ICBA Securities
Memphis, Tennessee

Website   Email 
Call: (800) 422-6442 

Investment Portfolio Management

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.

StoneCastle Cash Mangement
New York

Website   Email 
Call: (212) 354-6500 

Marketing Platform

Onovative, an automated marketing and communication software provider, put controls back in the hands of bank marketers. Onovative’s affordable marketing software for planning, automation and execution empowers you to manage data for strategizing throughout the consumer lifecycle and engaging with consumers through multiple channels. With software that integrates directly with your existing core banking systems, Onovative helps banks drive results by bolstering growth with their current account holders and within their markets.

Louisville, Kentucky

Website   Email 
Call: (888) 503-6615

Merchant Services

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.

FiNet, Inc.
Boardman, Ohio

Website   Email 
Call: (800) 487-5577 

+ Online Lending

The best-in-class POS digital lending solution - Mortgage, Home Equity, Consumer, Auto, Personal, Credit Card, Other Vehicle Type. PreQual Express tool - qualified customers will receive a letter in 5 minutes or less.

Lenderful Solutions
Birmingham, Michigan

Website   Email 
Call: (313) 910-3070

+ Office Supplies

As the working world evolves, so does ODP Business Solutions. 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 ODP Business Solutions, 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 >>

ODP Business Solutions
New York

website   Email
Call: (248) 842-7514

Package Delivery

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

Lansing, Michigan

website   Email 
Call: (517)-272-3629

+ Risk Management

Ncontracts is a leading provider of SaaS-based compliance and risk management software and services to financial institutions. Our GRC solutions cover vendor management, enterprise risk management, business continuity, compliance, audit and findings management, employee engagement, company culture alignment, and cybersecurity. We provide seamless management of the complete lifecycle of risk and compliance, backed by dedicated support, unlimited training, and guaranteed accuracy.

Brentwood, Tennessee

Website   Email
Call: (615) 649-0365 

Staff Training

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!

Lansing, Kansas

Website    Email 
Call: (860) 280-4152

+ Student Loan/Lending Services

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.

College Ave Student Loans
Wilmington, Delaware

Website   Emails 
Call: (302) 497-0759