Automate your customer service.
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Routine account, card, and payment questions get instant answers from your own content. Sensitive cases reach your team in seconds, with full context.
Free 14-day trial No credit card required AI agent included
Fees, cards, and how-tos get instant answers from the content your bank publishes.
Product questions turn into saved contact details and follow-ups for your team.
Customers ask at midnight. The AI answers, and the hard cases become tickets.
Over 35,000 brands are already selling through service with Text
Funded Trading Plus runs its customer conversations on Text. The numbers below are theirs.
"Text's AI Agent has helped us save our 5-star reputation during a major industry-wide disruption when we had to resolve 15x more chats overnight."
Jamie Miller, Chief Strategy Officer at Funded Trading Plus
125K
Chats annually
93%
CSAT rating
18%
Workload reduction
No scripts to write and no core systems to open up. The AI agent learns what your bank already publishes and stays inside the rules you set.
Point the AI agent at your website, help center, rate pages, and documents. It scans up to 5,000 subpages, refreshes on the schedule you set, and answers with what is actually on your pages, not what a script guessed months ago.
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Custom instructions of up to 10,000 characters set the agent's role, tone, and hard limits. Prohibit legal or investment advice outright, name the topics that always go to a person, and test every change in the preview before customers see it.
Sign up freeThe routine questions that fill your queue today, answered without a person and without a wait.
Card activation steps, daily limits, what a pending charge means, how to freeze a card in your app.
Fee schedules, current rates, branch hours, and routing numbers, straight from your published pages.
Products, requirements, and needed documents, with contact details collected for your lending team.
Customers book time with a banker or advisor in chat, and the meeting lands with the right person.
A lost or stolen card report goes straight to your team, marked urgent, with the customer already identified.
The AI collects the details, opens a ticket, and your team starts with the whole story in front of them.
The AI agent answers from your published content and points customers to secure self-service for anything that touches an account. It does not read balances or move money, so there is nothing sensitive for it to expose.
Three conversations from a typical banking queue, and what the AI agent does with each.
Each of these runs on the same setup: your published content for the answers, your instructions for the limits, and your team for everything that needs a person.
In banking, the handoff is the feature. The AI covers the routine, and the moment a case turns sensitive, a person takes over without the customer repeating a word.
Name the topics that always reach a person. The transfer goes to the first available teammate or a specific team, and if nobody picks up in 30 seconds, it becomes a ticket on its own.
Whoever takes over sees the whole conversation and the customer's profile: contact details, past chats, and open tickets. Nobody asks anything twice.
After hours, the AI answers what your content covers and turns the rest into tickets for the morning. No fake queues, no dead ends.
Sign up freeThe controls your security and compliance teams will ask about, documented and ready to review at trust.text.com.
Independently audited controls for security and availability.
Route your team's login through your own identity provider. Available on Enterprise.
Review who did what, available on Enterprise plans.
Password plus authenticator code, on every plan.
Data Processing Addendum with EU Standard Contractual Clauses, plus export and deletion support.
Secure TLS connections and permission-based access across the platform.
SOC 2
GDPR
CCPA
PCI DSS
DPF
WCAG 2
BBB
On top of the platform controls, you set the product guardrails yourself: instructions that prohibit legal or investment advice, topics that always escalate, and roles that keep publishing rights with the people you choose. Rolling out across a large institution? The enterprise chatbot page covers SSO, audit logs, and multi-agent setups.
One AI agent answers on your website, email, Messenger, WhatsApp, and SMS, and your team works every conversation from a single view. Add the WhatsApp chatbot in minutes when your customers message there.
The chat widget on your site, with the visited page in view.
WhatsApp and Messenger, the apps your customers already use.
Arrives as a ticket your team can assign and answer.
Text messages through Twilio, in the same queue.
Text AI agents partner with your team to lift the metrics that matter, going well beyond queue relief.
Your AI agent matches customers with products they actually want. Personalized suggestions based on browsing history, cart contents, and conversation context.
Try it freeGenerate and qualify leads instantly, in the right moment. Lead generation becomes part of the conversation experience.
Try it freeDeliver timely, relevant messages based on behavior and intent. Every nudge feels personal and drives action.
Try it freeServe tailored offers at the perfect moment. Context-aware incentives drive sales without feeling pushy.
Try it freeAutomate over 80% of chats and tickets. Your team gets time back, and customers get answers instantly.
Try it freeTransfer conversations with full context and zero repetition. Pick up the thread seamlessly to keep the momentum.
Try it freeA banking chatbot is an AI assistant that answers customers of banks, credit unions, and other financial institutions in chat. It handles routine questions about accounts, cards, fees, rates, and services from the institution's own published content, works 24/7, and transfers sensitive or complex requests to a human banker with the conversation history attached. It is the financial services front line of AI customer service software.
The everyday work is unglamorous and valuable: answering the same fifty questions about fees, cards, hours, and online banking that fill every support queue. Beyond that, banks use chatbots to collect loan and account inquiries after hours, book appointments with bankers, and triage urgent cases so a stolen card reaches a person in seconds. The category is also called conversational AI in banking, which describes the same technology by what it does: it holds a conversation instead of walking a menu.
A customer-facing chatbot should not read balances, move money, or make credit decisions in chat. Those actions belong behind your authenticated banking channels, where they are protected by bank-grade security. A well-designed banking chatbot answers what is public, guides customers into secure self-service for what is personal, and brings in your team for what needs judgment. That boundary is not a limitation. It is what makes the chatbot safe to deploy in an afternoon.
A banking virtual assistant usually lives inside a bank's own mobile app and works for logged-in users. A banking chatbot covers the public side: the website, WhatsApp, Messenger, email, and SMS, where customers ask questions before and after they log in. Most institutions need the second kind first, because that is where the unanswered questions pile up.
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