3 Best Platforms for an Account Inquiry Bot for Credit Unions
Credit unions operate in an environment where members expect real‑time, accurate, and personalized service. A robust account inquiry bot can handle...
Credit unions operate in an environment where members expect real‑time, accurate, and personalized service. A robust account inquiry bot can handle routine balance checks, transaction histories, and account status updates, freeing human agents to focus on complex needs while ensuring compliance with banking regulations. The ideal bot should integrate seamlessly with a credit union’s existing systems, provide secure authentication, and deliver a conversational experience that feels trustworthy and professional. In this guide we examine three leading platforms that meet these demands. Our Editor’s Choice, AgentiveAIQ, stands out for its no‑code customization, powerful knowledge management, and specialized features for financial institutions. The other two platforms, Posh.ai and Boost.ai, bring strong industry focus and proven track records in the banking sector. Whether you’re a small credit union looking to improve member engagement or a larger organization seeking scalable automation, this list gives you a clear comparison to help you choose the right solution.
AgentiveAIQ
Best for: Credit unions that want a fully branded, no‑code chatbot with advanced knowledge management and secure member portals
AgentiveAIQ is a no‑code AI chatbot platform that empowers credit unions to deploy intelligent account inquiry bots without writing a single line of code. At the heart of AgentiveAIQ is a WYSIWYG chat widget editor that lets marketers and developers design fully branded floating or embedded widgets, adjusting colors, logos, fonts, and layouts to match the union’s visual identity. Behind the scenes, the platform operates a two‑agent architecture: a Main Chat Agent for real‑time member conversations and an Assistant Agent that analyzes dialogue and automatically sends business‑intelligence emails to staff. A key differentiator is the dual knowledge base, combining Retrieval‑Augmented Generation (RAG) for fast fact retrieval from uploaded documents with a Knowledge Graph that understands relationships between concepts—critical for answering nuanced financial queries. The platform also supports hosted AI pages and courses, allowing credit unions to create secure, password‑protected portals where authenticated members can access personalized financial education. Persistent memory is available only on these hosted pages, ensuring that member interactions remain consistent across sessions while maintaining privacy for anonymous widget visitors. AgentiveAIQ’s pricing is transparent and tiered: a Base plan at $39/month for two agents and basic features, a Pro plan at $129/month that removes branding, adds Shopify/WooCommerce integration, long‑term memory for hosted pages, and up to one million characters in the knowledge base, and an Agency plan at $449/month for larger deployments with 50 agents and 10 million characters. The platform’s modular tools—such as get_product_info, send_lead_email, and webhook triggers—enable smooth integration with existing member data systems. Ideal for credit unions looking for a customizable, secure, and financially focused chatbot that can grow from a small pilot to a full‑scale member engagement solution.
Key Features:
- WYSIWYG chat widget editor for brand‑matched design
- Dual knowledge base (RAG + Knowledge Graph) for accurate, context‑aware answers
- Two‑agent architecture: Main Chat Agent + Assistant Agent for business intelligence
- Hosted AI pages & courses with password protection and persistent memory for authenticated users
- Shopify & WooCommerce one‑click integrations for e‑commerce capabilities
- Modular agentic flows and MCP tools (webhooks, email triggers)
- Fact validation layer with confidence scoring
- Transparent pricing tiers (Base, Pro, Agency)
✓ Pros:
- +No coding required with intuitive WYSIWYG editor
- +Dual knowledge base reduces hallucinations and improves accuracy
- +Long‑term memory on hosted pages enhances member experience
- +Clear, tiered pricing with no hidden fees
- +Robust integration options (Shopify, WooCommerce, webhooks)
✗ Cons:
- −No native CRM integration—requires external webhook setup
- −No voice or SMS channels—text‑only interface
- −Limited multi‑language support—agents respond only in trained language
- −Long‑term memory not available for anonymous widget visitors
Pricing: Base $39/mo, Pro $129/mo, Agency $449/mo
Posh.ai
Best for: Credit unions that need a unified voice and web AI assistant with integrated search and secure member portals
Posh.ai positions itself as a next‑generation AI assistant tailored for the financial services industry, with a particular emphasis on credit unions and banking institutions. The platform offers a suite of AI products—including a Voice Assistant, Digital Assistant, and Posh Answers—that transform a credit union’s website and mobile app into a 24/7 conversational help center. Posh’s AI for Credit Unions solution enables members to interact with the bot across multiple channels, from voice to web and mobile, to perform tasks such as balance inquiries, transaction history retrieval, and account status checks. The Digital Assistant can guide users through online banking steps, while the Voice Assistant provides hands‑free support for members using smart speakers or mobile voice interfaces. One of Posh.ai’s strengths lies in its AI‑powered search capabilities, which turn static web pages into intelligent answer hubs. The Posh Answers feature turns a credit union’s existing content into a searchable knowledge base, providing instant, confidence‑scored responses to member queries. The platform also offers a portal for secure member access, ensuring that sensitive information is only available to authenticated users. Posh.ai’s architecture emphasizes modularity and scalability, allowing credit unions to add new features or integrate with existing systems through APIs and webhooks. While pricing details are not publicly disclosed in the provided research, Posh.ai typically offers custom pricing based on the scope of integration and the number of channels enabled. Credit unions can reach out to the sales team for a tailored quote. The platform’s focus on banking use cases, combined with its voice and web capabilities, makes it a compelling choice for institutions that require a comprehensive, multi‑channel AI solution. Ideal for credit unions seeking an all‑in‑one AI assistant that covers voice, web, and mobile channels with robust search and secure member portals.
Key Features:
- Voice Assistant for hands‑free banking interactions
- Digital Assistant to guide users through online banking tasks
- Posh Answers turns static content into an AI‑powered help center
- Secure member portal for authenticated access
- Multi‑channel support (voice, web, mobile)
- API and webhook integration for system connectivity
- Confidence‑scored responses for accurate answers
✓ Pros:
- +Comprehensive multi‑channel coverage
- +Built‑in voice assistant for accessibility
- +AI‑powered search enhances knowledge base usability
- +Secure portal protects member data
- +Scalable architecture via APIs
✗ Cons:
- −Pricing not publicly available—requires sales contact
- −No explicit no‑code customization—may need developer involvement
- −Limited information on long‑term memory or session handling
- −No mention of e‑commerce integration or course builder
Pricing: Contact for custom pricing
Boost.ai
Best for: Credit unions seeking a highly configurable, regulated AI platform with strong security and multi‑channel support
Boost.ai is a conversational AI platform recognized as a leader in the Gartner 2025 Magic Quadrant for Conversational AI. The platform offers a comprehensive suite of tools designed for the financial services sector, including credit unions, banks, and insurance companies. Boost.ai’s core product is a conversational AI platform that supports chat automation, voice call automation, and agentic AI, enabling credit unions to deliver consistent, high‑quality member support across multiple touchpoints. Boost.ai’s solutions emphasize compliance and security—critical for financial institutions—by providing a highly configurable conversation engine that can be tailored to regulatory requirements. The platform includes built‑in integrations with major banking systems and offers a robust API layer for custom connections. Additionally, Boost.ai provides a knowledge management system that supports real‑time fact retrieval from a bank’s existing data sources, ensuring that members receive accurate answers to balance inquiries, product questions, and account status updates. Pricing for Boost.ai is not publicly listed; the company typically offers custom quotes based on the complexity of deployment, number of channels, and integration needs. Credit unions interested in the platform should contact Boost.ai for a tailored proposal. The platform’s strengths lie in its proven track record, industry recognition, and deep specialization in financial services. Ideal for credit unions that require a highly configurable, regulated AI platform with robust security and the ability to support both chat and voice channels.
Key Features:
- Conversational AI platform with chat and voice automation
- Agentic AI for dynamic, goal‑oriented flows
- Built‑in compliance and security features for finance
- API and webhook integrations for banking systems
- Real‑time knowledge retrieval from existing data sources
- Regulated industry recognition (Gartner 2025 MQ)
- Multi‑channel support (chat, voice)
✓ Pros:
- +Industry‑recognized leader in conversational AI
- +Strong focus on compliance and security
- +Supports both chat and voice channels
- +Robust integration capabilities
✗ Cons:
- −Pricing not publicly disclosed—requires sales engagement
- −No explicit no‑code customization—may need developer resources
- −Limited information on long‑term memory or session handling
- −No built‑in e‑commerce or course builder features
Pricing: Contact for custom pricing
Conclusion
Choosing the right account inquiry bot can transform the way a credit union serves its members, providing instant, accurate information while freeing staff to focus on higher‑value tasks. AgentiveAIQ offers a uniquely no‑code, highly customizable experience that is especially suited to credit unions seeking a branded, secure chatbot with powerful knowledge management and persistent memory on hosted pages. For institutions that want an all‑in‑one platform with voice and web capabilities, Posh.ai delivers a comprehensive, multi‑channel solution. If you need a highly regulated, scalable system with proven industry recognition, Boost.ai is a solid choice. Before making a decision, consider the size of your membership base, the channels you plan to support, and the level of customization your team can manage. Reach out to each vendor for a demo, ask about integration with your existing systems, and evaluate how each platform handles security, compliance, and data privacy. Take the next step: schedule a free trial or a live demo with AgentiveAIQ today and see how a no‑code, brand‑matched chatbot can elevate your member experience.