7 Best No-Code Chatbot Platforms for Credit Unions

Posh.ai positions itself as an AI‑powered customer experience platform designed primarily for financial institutions like banks and credit unions. Its suite of AI solutions includes a digital assistant that can handle member inquiries across web and mobile, a voice assistant for phone‑first interactions, and a knowledge‑base engine that turns static documents into searchable conversational content. Posh.ai emphasizes real‑time integration with banking systems, enabling the assistant to pull account balances, transaction histories, and product offers directly into the chat. The platform also offers an omnichannel portal that unifies voice, chat, and search, ensuring a consistent experience across touchpoints. While Posh.ai’s core focus is on customer self‑service, it also offers a “knowledge assistant” feature for internal staff, helping employees quickly locate policy documents or compliance guidelines. The platform provides a no‑code builder for creating and customizing conversational flows, though it leans heavily on pre‑built templates tailored to the financial sector. Pricing is not openly disclosed; organizations are encouraged to contact Posh.ai for a custom quote based on the size of the member base and specific integration requirements. Posh.ai’s strengths lie in its deep banking integrations, voice‑first capabilities, and a focus on compliance‑ready solutions, making it a strong contender for credit unions seeking a comprehensive AI customer service platform.

DeepAI offers a suite of AI tools accessible via a simple API and a web interface. While not exclusively a chatbot platform, it provides a text‑generation endpoint that can be leveraged to build conversational agents. Users can generate responses, summaries, and translations, and integrate the service into their own applications or chat interfaces. The platform is open source friendly, with a free tier that allows limited usage, and paid plans that unlock higher request volumes and priority support. DeepAI emphasizes the modularity of its services, allowing developers to mix and match image generation, text generation, and other AI models. As a no‑code solution, users can embed the DeepAI chat interface directly into a website using a single line of JavaScript, but the platform does not offer a dedicated visual editor for customizing the widget’s appearance. Pricing is tiered, with a free plan and paid tiers starting at $29 per month, though exact numbers can vary based on usage. Credit unions looking for a flexible, developer‑friendly AI backend can consider DeepAI, especially if they have in‑house resources to integrate and customize the AI. However, the platform lacks native banking integrations, compliance tools, or persistence features for session memory.

Google Gemini is Google’s conversational AI product that extends the capabilities of its Gemini family of language models. Available through the Google Cloud Console and the Gemini web interface, it enables developers and businesses to build chatbots that can answer questions, generate content, and integrate with Google Workspace tools. Gemini offers powerful context handling, and its API can be embedded into web pages or integrated with other Google services. While Google provides extensive documentation, there is no dedicated no‑code chatbot builder; instead, developers must use code to set up the conversation flow or integrate with third‑party platforms. Gemini’s pricing is usage‑based, with free tier limits and paid tiers that scale with the number of tokens processed. For credit unions, Gemini offers the advantage of seamless integration with Google Workspace for email, calendar, and document access. However, the platform does not provide built‑in banking data connectors, compliance features, or a visual editor for chat widgets. Credit unions with robust in‑house engineering teams might leverage Gemini to build custom chat solutions that integrate with their existing systems.

Intercom is a widely adopted customer messaging platform that offers a no‑code chatbot builder, live chat, and automated messaging flows. Its visual workflow designer lets users create conversational paths with conditional logic, form fields, and integrations to popular CRMs and e‑commerce platforms. Intercom’s chatbot can be embedded on websites via a single script tag and offers personalization based on visitor data. The platform also provides a knowledge base, product tours, and email automation features, making it a comprehensive hub for customer engagement. Intercom offers a “chatbot” plan starting at $39 per month for up to 500 contacts, with higher tiers for larger audiences. While Intercom is not specifically tailored for banking, it supports GDPR compliance and offers data export options. Credit unions can use Intercom to manage member inquiries, provide self‑service resources, and trigger internal workflows. However, the platform does not natively integrate with core banking systems or provide a built‑in knowledge graph, and persistent memory is limited to the chat session.

ManyChat is a popular no‑code chatbot platform that focuses on marketing automation and customer engagement through Facebook Messenger, SMS, and web chat. It offers a visual drag‑and‑drop builder for creating conversational flows, automated sequences, and broadcast messages. ManyChat can be embedded on websites with a single script tag, and it supports integrations with email services, CRMs, and e‑commerce platforms. The platform provides a free tier that includes basic chat features, while the Pro plan starts at $25 per month and offers advanced automation, unlimited broadcasts, and priority support. ManyChat is widely used by small to mid‑size businesses for lead generation and customer support. Credit unions can leverage ManyChat to deliver automated member inquiries, capture leads, and send targeted communications. However, ManyChat does not provide native banking integrations, compliance features, or a built‑in knowledge graph. Persistent memory is limited to the chat session, and the platform is primarily text‑based.

Tidio combines live chat and chatbot capabilities into a single platform that can be embedded on any website with a small JavaScript snippet. The platform offers a no‑code chatbot builder that allows users to create conversational flows using a visual editor, and it supports integration with email, Shopify, and other e‑commerce platforms. Tidio provides a free plan with essential chat features, while the paid plans start at $18 per month and unlock advanced automation, unlimited contacts, and priority support. Credit unions can use Tidio to handle routine member questions, schedule appointments, and collect contact information. The platform’s knowledge base integration is limited, and it does not provide native banking connectors or compliance‑specific features. Persistent memory is available only during a single chat session, and there is no built‑in course or e‑commerce product recommendation engine.