CCBank and Synctera Partner to Deliver New Business and Consumer Credit Card Products

The Federal Reserve’s 2025 Diary of Consumer Payment Choice tracks how consumers actually pay for things day to day, and credit cards are now the most common payment method. Yet as of 2024, only about 15% of regional and community banks offer credit cards to their customers, not because of a lack of demand, but due to the operational complexity required to launch and manage a program. This gap has made it difficult for many community banks to deliver credit solutions that meet the evolving expectations of their customers.

CCBank is breaking this mold by partnering with Synctera to develop and deliver new business and consumer credit card products. Synctera’s credit card infrastructure enables CCBank to offer a flexible, modern credit product while maintaining full control over the customer experience.

For years, community banks have faced a difficult tradeoff when it comes to credit cards. Launching and managing a program requires a complex set of technology, compliance, and operational capabilities that rarely integrate cleanly with existing bank systems. As a result, many banks have either relied on white-label providers with limited control over underwriting, pricing, and customer experience, or chosen not to offer credit cards at all despite strong customer demand.

CCBank is taking a different path.

With these new programs, CCBank is putting customers first, delivering solutions built specifically for the community it serves rather than relying on generic products designed by national issuers. Through its partnership with Synctera, the bank is able to leverage modern credit card infrastructure while retaining ownership over key decisions, including product design, underwriting criteria, and the overall customer experience.

The new business credit card program is designed to support local entrepreneurs and growing companies, with tools to better manage expenses, improve cash flow, and earn rewards aligned with everyday business needs.

The consumer credit card program focuses on simplicity, transparency, and value, offering straightforward pricing, competitive features, and rewards that reflect how customers actually spend in their daily lives.

“For more than 30 years, CCBank has been committed to serving our communities with products that reflect what our customers truly need,” said Eric Wright, Chief Operating Officer at CCBank. “A credit card is one of the most important financial tools our customers use every day. With these programs, we will be able to deliver that experience on our terms, aligned with our values and built around the relationships we’ve already established.”

Synctera’s platform provides the underlying infrastructure that will enable CCBank to launch and operate these programs efficiently, bringing together capabilities across underwriting, card issuance, servicing, and compliance, without sacrificing flexibility or control.

Together, CCBank and Synctera are demonstrating a new model for community banks by combining modern infrastructure with local insight to expand access to credit, deepen customer relationships, and strengthen the financial well-being of the communities they serve.

Through this partnership, CCBank is able to take another step toward its goal of serving as a trusted, full-service financial partner, delivering the tools customers need to grow, manage, and thrive while remaining deeply rooted in the community it serves.