IncumbentFI 's platform transforms existing debit cards into multi-account payment cards without new cards.

IncumbentFI empowers Community Banks and Credit Unions to modernize their debit card programs through a seamless Debit Modernization Platform that enables multi-account funding on existing debit cards - without disrupting current core, debit processor, or digital banking infrastructure. Our platform transforms traditional debit cards into programmable payment hubs, allowing financial institutions to expand consumer funding options, enhance the digital payment experience, and unlock new revenue opportunities while leveraging their existing technology partners. Our solutions include: • HELOC Link - Enable existing debit cardholders with the flexibility to increase their purchasing power by seamlessly linking their HELOC as an additional funding source to their primary debit card. • Local Rewards - Encourage your customers/members to shop local, driving spend to your local community, building loyalty and growing commercial relationships. IncumbentFI’s gateway is currently live with debit card holders at Bangor Savings Bank, a $7 billion institution. In 2023, IncumbentFI was selected to join Mastercard's award-winning Emerging Fintech Start Path program, further validating our industry leadership and innovation. Built for innovation without disruption, IncumbentFI helps institutions deliver modern, flexible payment experiences that strengthen customer relationships, drive engagement, and position community financial institutions for the future of banking.