ABA Insurance Services
Equias Alliance, LLC
Financial Products and Services, Inc
ICBA Bancard & TCM Bank
Investors Title Insurance Company
Keystate Captive Management
Promontory Interfinancial Network
Thumbprint Signature Program
Endorsed by TBA and American Bankers Association, ABA Insurance Services serves the banking industry by offering D&O, bond and cyber related insurance to banks countrywide. This unique bank-owned and banker-directed insurance program has been a market leader for 30 years and is recognized by insurance and banking professionals as a secure, stable, and affordable source of coverage. Through the program's mutual reinsurer, American Bankers Mutual Insurance, Ltd., a distribution to eligible banks has been declared for 27 consecutive years, totaling $82.7 million. Property & Casualty for Tennessee banks is also available. Contact or have your insurance agent contact Patricia P. Williams at 800-274-5222 or email@example.com for a proposal. For more information about the program, visit abais.com.
With over 45 years of experience, Affinion Insurance Solutions is both a leader in customer engagement and a driving force behind a suite of insurance products including its flagship program, Accidental Death and Dismemberment (AD&D) insurance. The AD&D insurance plan is a "Customer Appreciation" program designed to strengthen ties with bank customers and to generate incremental non-interest income. The program offers $1,000 of AD&D insurance at no cost to customers – your bank pays the premium – as well as the opportunity for the customer to purchase additional coverage at affordable rates. Affinion’s AD&D program has been endorsed by the American Bankers Association (ABA) since 1989.
Other ABA endorsed insurance programs include Simplified-Issue Term Life, Hospital Accident Protection, and Recuperative Care.
With no financial risks to bank marketing partners, Affinion offers a complete turnkey operation. It absorbs all marketing costs and handles everything from list management to facilitation of claims. The program is easy to implement and requires virtually no effort from your staff. Affinion insures more than 65 million people through the Customer Appreciation Program.
Contact: Andrea Heger
Affinion Insurance Solutions
801 Crescent Centre Drive, Ste 500 • Franklin, TN 37067-6228
Fax: (615) 764-5174
Based on the needs of community bankers, Compliance Alliance provides its members an ever-increasing set of bank compliance tools and services that help them stay up-to-date with consumer and regulatory requirements. Compliance Alliance members enjoy a compliance hotline available from 7:00 am to 5:30 pm CT by phone, e–mail, or live chat. In most cases, our turnaround time is immediate for phone calls or live chats. In the event a question is more complex and additional research must be done, you’ll have an answer from our hotline specialists within two hours. Submit your documents for review by our in-house experts. Our team will conduct a full analysis and return documents with recommendations within three business days—depending on the complexity. Reviews are unlimited. Members have access to the most comprehensive list of tools for download and services including, but not limited to, calculators, cheat sheets, check lists, compliance calendar, flowcharts, forms, handouts, huddles, matrices, policies, procedures, risk assessments, signage, summaries, training tools, webinars, and worksheets.
CRA Partners is a compliance program you can feel good about. The Senior Housing Crime Prevention Foundation, a trusted brand for over 15 years, has been providing protection and an enhanced quality of life for vulnerable senior housing residents through a turnkey CRA compliance solution for community focused banks. Now we have a new name and a new look but the same meaningful mission. Funded exclusively by the banking industry, we have 250 bank partners who have purchased collateral on behalf of our programs that have made a cumulative positive community impact of $238 million to low- and moderate-income communities. It is hard to overstate the transformative effect a bank can have on the lives of seniors by removing the fear of theft and neglect from their lives while also earning CRA credit for your bank. Banks enjoy guaranteed CRA credit on loan, investment and service tests; flexible funding options include CRA-qualified loans, investments or grants; detailed LMI documentation for positive CRA exam reviews; installation of a turnkey program in senior housing facilities, HUD communities and state Veterans homes with no overhead or administrative burden; providing enhanced quality of life programs for seniors to enjoy; opportunity for service test credit using tools including Preventing Elder Abuse Toolkit and the Welcome Home Banking website to provide financial education; positive public relations exposure in the community. CRA Partners is your partner every step of the way—from participation through examination.
The Tennessee Bankers Association; the American Bankers Association, through its subsidiary the Corporation for American Banking; and 9 other state bankers associations exclusively endorse Equias Alliance, LLC (Equias). Equias' group of nationwide consultants, including Tennessee-based David Shoemaker, CPA/PFS, CFP, James Taylor, and Linda Radley, CPA, have assisted over 800 community banks in the design and implementation of bank-owned life insurance (BOLI) as well as nonqualified benefit plans for executives and directors. The integrity, depth of knowledge, and collaboration of Equias' experienced and professional staff of 50, including attorneys and CPAs, makes Equias an excellent partner for banks of all sizes. Whether your bank has existing BOLI and nonqualified benefit plans or is considering new plans, contact us at: firstname.lastname@example.org, email@example.com, and firstname.lastname@example.org. David Shoemaker, James Taylor, and Linda Radley are registered representatives of and securities are offered through ProEquities, Inc, a registered broker/dealer and member FINRA and SIPC. Equias Alliance, LLC, is independent of ProEquities, Inc.
EverFi, Inc, is the leading education technology platform company to teach, assess, and certify students in financial literacy and student loan management. The company is powering a national movement in 50 states that enables students to learn using the latest technology. Our learning platforms have touched the lives of over 4 million students across more than 3,000 K-12 schools and higher education institutions. Each platform features best-of-breed content, rich assessment and knowledge gain data, highly adaptive real-life simulations, and goal-setting planning tools to ensure that every student has a personalized experience. Upon successful completion of each program, students are provided with certification in financial literacy. EverFi partners with financial institutions to offer its programs to students at no cost to the schools, with EverFi fully managing every aspect of implementation and support in schools. In turn, the program allows sponsors to build brand value through their private–labeled platform, strengthen community relations, increase media presence, and achieve regulatory objectives.
Evolve VCS provides regulatory compliance training and valuation review services to community banks throughout the Southeastern United States. They also provide educational services to appraisers in Tennessee. In addition to these services, they offer a web-based product to community banks, appraisers (in Tennessee and Georgia) and evaluators to allow them to complete regulatory compliant evaluation reports. Their owners have more than 25 years of combined experience in the valuation industry with a focus on regulatory compliance requirements. They listen to the needs of their clients and then assist them in developing a compliant and cost effective valuation program.
The wholly owned insurance agency of TBA, Financial Products and Services, Inc (Financial PSI) offers insurance coverage and employee benefit plans specifically tailored for Tennessee banks. A board of directors composed of TBA members and executives provides oversight for Financial PSI. Its returns to the association help TBA offer high-quality services and programs to members while keeping dues among the lowest of any state bankers association in the country. Financial PSI products and services include: group medical and life insurance; group and individual disability insurance; 401(k) plans; supplemental retirement and survivor benefits for key employees and directors; long-term care insurance and financial institution bond, directors’ and officers’, and property and casualty coverage; estate planning and consultation; seminar programs for bank customers; and business continuation programs. Financial PSI can also partner with banks to create an insurance sales center, which helps increase noninterest revenue for your institution.
Harland Clarke provides TBA members with a full line of personal/commercial check products designed to improve profitability while reducing operating costs. Harland Clarke also helps you tap the unrealized potential of your customer relationships. We do this with our unique industry knowledge and by focusing on your business. We offer a broad suite of world-class solutions that increase both customer lifetime value and customer engagement.
ICBA Bancard/TCM Bank provides community banks access to comprehensive and competitive electronic payment solutions, including credit card issuing, debit/ATM card programs for both consumers and small businesses. In addition, Bancard offers an exclusive fraud loss protection program, training and education, and robust customizable marketing solutions. Competitive credit card portfolio valuation, consultation, and purchase options are also available.
Insuritas is the nation's leader in insurance agency outsourcing for financial institutions. With Insuritas, banks can own a complete insurance agency without the significant capital investments required to build or buy an agency and without the inherent operational risk. It is seamless product integration for your customers. TBA member banks can use their existing distribution channels—online, over the phone, face-to-face—as a platform to feature the auto, home, and business insurance that 100% of your customers use every day. In addition, auto, homeowners, and business insurance have the added benefit of renewing every year and generating an ever-growing fee income stream. For a free strategic assessment of how Insuritas could work for your bank, contact Brian Mobley, or learn more at http://youtu.be/D3J7AlLR-VU.
In the last 44 years, Investors Title Insurance Company has successfully led over 500 financial institutions in the business of selling title insurance through lender-owned agencies. Designed to generate noninterest fee income for participating owners, this program has generated over $450 million in commissions for lender-owned agencies and profits in excess of $180 million for their member banks. Since 1999, Tennessee bank-owned agencies have sold over $63 million in title insurance, resulting in substantial cash dividends to the owner banks.
Based in Chapel Hill, NC, Investors Title is a wholly owned subsidiary of Investors Title Company, which is traded publicly on NASDAQ. In addition to the 27 branch office network in North Carolina, a 375+ attorney agent network of agents in the southeast region, and a growing network of agents in Texas, Investors Title has an extensive network of issuing agents doing business throughout the United States. Investors Title specializes in residential and commercial title insurance, related online products, 1031 exchanges, reverse exchanges, settlement services, title agency management services, and trust and investment services.
Managed by an experienced team of marketing, compliance and operations professionals, the national agency program produces outstanding financial returns!
KeyState Captive Management, an affiliate of The KeyState Companies, has partnered with the Tennessee Bankers Association to offer a unique bank captive insurance program to Tennessee financial institutions. The Bank Captive Program is designed by national accounting firm Crowe Horwath LLP and then administered by KeyState Captive Management. Banks that fit a certain asset size and earnings criteria can form their own wholly owned captive insurance company to finance risks (that are not commercially insured) in a tax advantaged way.
Ncontracts is the leading provider of risk management solutions for banks and financial institutions. Our comprehensive and secure online product suite and team of exceptional legal, financial, technology, and client services experts enable banks to successfully manage their third-party vendor relationships and contracts, assess and address compliance risks and audit findings, and replace manual tasks with time-saving and cost-cutting software and guidance.
Become an Ncontracts client and:
- Establish and/or refine vendor management policies
- Pass compliance audits with assistance from our compliance team
- Assess and monitor risks and opportunities with ease
- Cut costs across the board by eliminating outdated, manual processes
- Utilize state-of-the-art, leading technology for vendor management, cyber-risk management, findings management, contract management, and BCP
Office Depot, founded in 1986, is the world’s leading seller of office supplies and an industry leader in every distribution channel — from retail stores and contract delivery to catalogs and e-commerce. As an Office Depot customer, you will have access to Office Depot’s exclusive Business Services Division website, strategic brand name partnerships, multi-billion dollar buying power, and ease in economizing your bank’s operations. Enjoy customer service from Office Depot that is unmatched in the industry. In addition to office supplies, TBA’s Office Depot program includes office furniture; design, print, and copy services; custom business forms; stationery supplies; promotional products; lunch room and janitorial supplies; and technology products. Current participants in the program have experienced an average savings of 40 percent over their prior office product costs. Free delivery for orders over $50.00. If placed by 4pm local time, orders are delivered next day in most markets by Office Depot or UPS.
Contact: Kevin Delesk
Business Development Manager
Pathway Lending is an economic development lender, certified by the U.S. Treasury Department as a Community Development Financial Institution. Pathway Lending provides loans, advisory services and training to businesses in Tennessee to help businesses grow and create jobs. Headquartered in Nashville, Pathway Lending offers a variety of loan products for working capital, accounts receivable and inventory financing, real estate, equipment, energy efficiency, and growth capital. By providing CRA qualified investments or loans to Pathway Lending, financial institutions receive Community Reinvestment Act credit under the investment and community development loan test. Additionally, loans and investments are eligible for Tennessee franchise and excise tax credits.
Using Promontory Interfinancial Network's CDARS®, ICSSM, and IND® services, financial institutions can build multi-million-dollar relationships, manage liquidity by selling excess deposits for fee income, and purchase cost-effective fixed- or floating-rate funding—available without collateralization or stock purchase requirements. Promontory has established the nationwide Promontory Network, composed of approximately 3,000 financial institutions, through which members place billions of dollars in deposits every week.
SIGNiX, the most trusted name in Independent E-Signatures™, makes signing documents online safe and secure with comprehensive legal evidence permanently embedded in each document to eliminate any dependence upon SIGNiX. The company’s cloud-based service uses patented technology to give businesses and organizations the most secure and legally defensible e-signatures available at a fraction of the cost of wet ink signatures. SIGNiX’s products help the world’s leading companies become more efficient, decrease risk and boost profits.
The TBA’s Thumbprint Signature Program, which has been praised by law enforcement officials and embraced by many Tennessee banks, offers an easy and inexpensive way to deter check fraud without inconveniencing customers. Here’s how it works: When nonaccount holders ask to cash a check at a participating bank, they must place an impression of their thumbprint on the face of the check. A small “inkless” touch pad is used, which leaves a clear black print that disappears from the thumb with slight rubbing. The procedure is quick, simple and clean. Criminals foolish enough to put their thumbprints on bogus checks leave a positive ID that can be turned over to law enforcement officials. The program has been used as evidence in many cases and has assisted in the follow-up investigation of burglaries, thefts, and crimes other than forgeries.