Clerk Chat Clerk Chat

Finance SMS Platform Built for Financial Leaders

Transform customer communications with a finance platform that delivers banking-grade security, regulatory compliance, and seamless integration with existing workflows.

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Use cases

From compliance alerts to portfolio updates, enable secure client communications across all financial touchpoints.

  • Investment updates

    «Market Alert: Your watchlisted stock XYZ has reached your target price of $150. Log into your secure portal to review your investment strategy. 📈»

  • Payment reminders

    «Your loan payment of $1,248.50 is due in 3 days. Reply YES to process automatic payment from your registered account, or visit [Link] to explore payment options. 🔔»

  • Security verification

    «For your security: We've detected a new device login to your account. Enter code 847591 to verify this attempt, or reply BLOCK to deny access. 🔐»

AI Agentic Workflows

Read all about our commitment to security, industry-leading integrations, and how we're building trust and partnerships to support your restaurant communications.

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  • Featured

    FAQ Flow

    Answering FAQs is repetitive and time-consuming, taking away from high-value tasks. At the same time, leaving common questions unanswered can frustrate potential customers and lead to lost revenue. The FAQ AI Agent eliminates this challenge by instantly responding to frequently asked questions, ensuring customers get the information they need without delays.

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  • Featured

    Follow Up

    Follow-ups are key to driving sales. This AI Agent automates the process by sending personalized, timely messages based on conversation history. Simply set a follow-up schedule, define any messaging preferences, and let AI take over.

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  • Featured

    Qualification

    The Qualification AI Agent instantly reaches out to new leads, asks the right qualifying questions, and filters out unqualified prospects. It engages in a conversational way, extracts key details, and seamlessly hands off the right leads to your sales team.

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  • Featured

    Qualification + Follow Up

    This is an AI agent that asks 3 qualifying questions to your top of funnel leads. If they drop off at any point during this qualification sequence, up to 3 follow ups are sent to the lead to engage them and finish the qualification sequence.

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Why our SMS app for financial industries is a game changer

  • Bring your own number

    Bring your own number

    Easily integrate your existing phone number with Clerk Chat.

    Keep your current phone carrier for calls while managing all financial communications with Clerk Chat’s finance SMS. Our platform ensures secure, compliant, and efficient interactions across major VoIP platforms.

    Get started
  • Stay compliant with Clerk Chat

    Stay compliant with Clerk Chat

    Effortlessly export message logs and archive financial conversations with Clerk Chat, simplifying your compliance with industry regulations.

    Speed up audits, protect sensitive client data, and ensure your communications are always secure and fully compliant with the latest financial standards.

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  • Enhance your financial team with AI

    Enhance your financial team with AI

    Clerk Chat's AI agent amplifies your team's capabilities, learning from your knowledge base to deliver consistent, on-brand finance SMS communication.

    From routine inquiries to complex client needs, our AI agent ensures every interaction is accurate, efficient, and perfectly aligned with your financial standards.

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  • Automate client communication

    Automate client communication

    Save time with Clerk Chat's SMS for finance by automating repetitive tasks and follow-ups through custom workflows.

    While Clerk Chat handles the details, you can concentrate on building strong client relationships and delivering top-notch financial services.

    Get started
  • Jeff Gelwix Jeff Gelwix

    President @ Sonic Drive-in

    Clerk Chat is a beautifully built solution that is flexible, customizable, intuitive, and perfect for collaboration. We love the Clerk Chat platform, but what we love even more is how amazing and caring the team behind it is.

    Read more on Trustpilot Read more on Trustpilot
  • Cruz M. Cruz M.

    Professional Independent Marketer

    As a marketing professional, I had trouble communicating with my contractors because we used Slack and Teams, but they weren't always online. I spent months looking for a tool to help me send text messages or WhatsApp messages to them so they could log in to Zoom and Google Meets. Plus, Clerk Chat also allows me text my clients that I have on HubSpot CRM.

    Read more on G2 Read more on G2
  • Katrina Bogany Katrina Bogany

    President of Fab Finishes, Inc.

    Clerk Chat is truly the missing piece of the puzzle with Teams! It makes Teams a complete communications solution, by adding the vitally important SMS texting functionality to the platform. In addition, Clerk Chat’s support is excellent.

    Read more on Trustpilot Read more on Trustpilot

#ScheduleDemo

Instant, secure, 1:1 and multiplayer messaging. No APIs, no developers, no fuss.

This ensures that customers receive swift responses, while also preventing any team member from becoming overwhelmed.

#Templates

Pre-approved finance SMS templates

More SMS templates

  • Appointment Reminder: "Hi [Client Name], this is a reminder for your appointment with [Advisor Name] on [Date] at [Time]. Reply 'YES' to confirm or 'RESCHEDULE' to choose a different time."

  • Payment Due Reminder: "Dear [Client Name], your payment of [Amount] is due on [Date]. Please ensure timely payment to avoid any late fees. Contact us if you have any questions."

  • Transaction Alert: "Alert: A transaction of [Amount] has been made on your account ending in [Last 4 Digits] on [Date]. If you did not authorize this, please contact us immediately."

  • Account Update Notification: "Hi [Client Name], your account details have been successfully updated. If you did not request this change, please contact our support team right away."

  • Tax Deadline Reminder: "Reminder: The tax filing deadline is approaching on [Date]. Ensure your documents are submitted on time to avoid penalties."

  • Security Alert: "Security Alert: Unusual login attempt detected on your account. If this was not you, please secure your account immediately by resetting your password."

  • Client Satisfaction Survey: "Hi [Client Name], we value your feedback! Please take a moment to complete our quick survey on your recent experience with [Service Name]. [Survey Link]"

  • Financial Advice: "Hi [Client Name], consider diversifying your portfolio to reduce risk and increase potential returns. Contact us for a personalized financial plan."

Essential finance SMS resources

Explore our comprehensive guides on secure messaging in finance, from regulatory requirements to implementation strategies, helping you build a robust communication framework for your financial institution.

  • Understanding Finance SMS

    If you’re still not tapping into the benefits of SMS in finance, now’s the time to start. Texting for financial institutions is more than just a great way to keep customers informed with quick alerts and balance updates. With the right strategy, a little creativity, and the right tech, you can create smarter, faster, more personal experiences for every contact, and customer.

    Think about it. Over 90% of SMS messages are opened within three minutes. That’s a big deal when you want to reach your audience fast with offers, fraud notifications, or company changes. Plus, response rates are as high as 45% in some sectors.

    Plus, texting for financial firms is versatile. With the right software, you can use texts for customer service, marketing campaigns, sales strategies – you name it.

    Whether you’re a lender sending payment reminders, a broker-dealer confirming trades, or a tax advisor managing seasonal campaigns, SMS for finance gives you a secure, real-time way to stay connected with your clients.

    With some platforms, you can even stretch the benefits further, spanning across various messaging channels, from MMS, to OTT apps, and even RCS.

  • Text Messaging for Financial Services: Use Cases

    There’s no one-size-fits-all approach to using text messaging for financial services – and that’s part of why it’s so powerful. As long as you have the right text banking software on hand, the options are endless. You could automatically send out fraud alerts, loan updates, or two-factor authentication passwords to help earn customer trust.

    Or you could issue banking feedback surveys, build lead nurturing campaigns, and invite customers to get in touch with your team for a conversational banking experience. Here are just some of the great ways companies are already using financial services messaging strategies.

    Account Transaction Notifications

    No customer wants to be left in the dark about their money. Finance SMS platforms give you an easy way to keep everyone up-to-date, fast. You can automatically issue alerts about deposits, withdrawals, transfers, loan applications, or confirmed mobile payments.

    You could even personalize the experience by allowing customers to request when they want to get alerts – such as when they reach a certain balance limit.

    Improving Security: Fraud Alerts and Authentication

    Customers are trusting you with their money. They want to see evidence that you’re taking their security seriously. With SMS banking software, it’s easy to send out instant alerts the moment your technology flags an unusual, or suspicious transaction. Two-way texting for financial firms even allows customers to confirm whether a purchase was legitimate.

    You can also use your texts to enable stronger authentication processes. Rather than relying entirely on a single password, you can send one-time codes out to customers via text. You can also use these codes to enable customers to access their accounts when they need to reset a password.

    Payment Reminders & Confirmations

    Transaction confirmations are just the beginning. In finance, a missed payment isn’t always due to lack of funds, it’s often forgetfulness. That’s where SMS shines. With a platform integrated with your CRM system (like HubSpot), you can identify which customers are falling behind on payments, and send them a friendly nudge via text.

    These reminders work. Some companies using SMS payment reminders have reduced delinquencies by up to 28% (D7 Networks). You can also send instant confirmations when payments go through, improving transparency and trust.

    Lending and Loan Management

    Keep borrowers informed every step of the way, from application to approval and repayment. Send instant updates when loan applications are approved. When payments are due, send friendly collection notices that adhere to compliance guidelines.

    With compliant texting for financial advisors, you can build smarter, more compassionate collection workflows. You might send early-stage reminders with payment plans, and advice on how to avoid future debt collection issues, or invite customers to respond back with questions.

    Mobile Payments & Digital Wallet Notifications

    SMS works perfectly alongside your mobile wallet services. Whether it’s confirming a tap-to-pay transaction or alerting users to a new mobile bill, these quick updates provide peace of mind.

    You could even combine finance SMS with push notifications or app inbox messaging for a seamless omnichannel experience. Or if you want to upgrade your marketing efforts, you could send personalized mobile wallet offers, straight to subscribed customers.

    Emergency & Service Outage Alerts

    Don’t let downtime catch clients off guard. Whether you’re experiencing tech issues or closing early due to weather, SMS ensures emergency alerts are seen fast. With a platform specializing in secure messaging for finance, you’ll have no problem reaching the right people at the right time.

    You can even segment your customers based on their location, so you know exactly which customers are going to be affected by a branch closure, or a tech problem. If your system is integrated with your tools for customer service in financial services, you can give every customer a direct line to your team if they have any questions or concerns.

    Banking Feedback Surveys

    Want better insights? Just ask. Send SMS feedback surveys post-support or after financial planning meetings. Ask customers to rate their experience on a scale of one to five, or encourage them to share in-depth opinions and thoughts online.

    The information you gather could help you not just improve your customer service, but upgrade your marketing strategies, sales efforts, and long-term approach to growth.

    Marketing for Tax Pros & Financial Advisors

    One of the biggest use cases for finance SMS? Promotion. If you’re looking for a quick and easy way to upgrade marketing for tax pros, financial advisors, text is a great tool.

    With keywords and sequences, you can run interactive promos (“Text TAX to 72345 to get this year’s filing checklist”), automate outreach for new services, and deliver personalized product and policy updates based on client data.

    You can use lead nurturing campaigns to convert prospects, and mobile wallet offers to engage loyal clients. Every message can be tracked via SMS delivery analytics, giving you real-time visibility.

  • Financial Services Messaging: The Benefits

    The benefits of text messaging for insurance teams, financial advisors, banks and even Fintech companies go way beyond fast communication. Text is much more than just “quick” and convenient – it’s cost effective, versatile, and great at improving customer satisfaction.

    Just look at the fact that SMS boasts open rates of around 98%- that’s evidence that people actually want to receive texts from your company. SMS for banks and financial services groups delivers:

    • Cost-effective, scalable communication: SMS is cheap and scalable. Compared to email, direct mail, or even calls, SMS offers a much lower cost-per contact. You can run campaigns to thousands of clients for the cost of a single direct mail drop.
    • Easy automation: With a SMS service for financial industries, you can use bulk SMS, automated message scheduling, and SMS keywords to create fully hands-free outreach. Send thousands of personalized reminders, alerts, or follow-ups, without extra work.
    • Enhanced Security: With AI-powered text messaging, you’ll be able to instantly send out fraud alerts, and inform customers of emerging risks. You can use transactional texts to send one-time passwords and introduce two-factor authentication. You can even tap into SMS archiving software to make sure your communications are audit-ready.
    • Improved Customer Service: Using two-way messaging and conversational AI for finance, you can support customers 24/7, on the channel of their choice. You can answer questions faster, address issues in minutes, and improve satisfaction rates.
    • Better marketing ROI: SMS makes it easy to tailor updates and alerts for customers based on where they are in their finance journey. That means you can send personalized SMS communications and segmented messaging strategies to upgrade your marketing results.

    From enhancing personalization, to strengthening lead nurturing campaigns, and keeping customers informed, SMS gives you endless ways to evolve.

  • Real-Time Engagement & Customer Loyalty

    By far the biggest benefit of finance SMS, is how effective it is at improving end-to-end customer engagement, and loyalty rates. Real-time SMS engagement levels are hard to beat, particularly when you’re sending targeted messages specific to your audience’s interests.

    Thanks to integrations with your CRM systems, you’ll have no problem setting up comprehensive, tailored campaigns that combine SMS, push notifications, app inbox alerts, and more to guide your customer through each stage of their journey.

    You can start off with simple personalized product and policy updates and mobile wallet offers to drive sales. Then, when your customers convert, you can keep them connected to your company, with referral programs, loyalty offer incentives, and text message surveys asking for their feedback.

    Plus, with access to valuable insights from your financial services messaging platform, you’ll be able to see what’s working, so you can update your strategy over time.

  • Choosing an SMS Service for Financial Industries

    Whether you’re investing in automated customer support, drip campaigns for marketing, fraud alerts, or two-way conversations, you need the right SMS banking software. The key to success isn’t just choosing a platform that makes mass texting simple.

    You need something that combines cost-effectiveness, with SMS compliance, convenient integrations, intelligent tools, and automation. Here are three steps for making the right choice.

    1. Consider Core Finance SMS Features

    Start with the non-negotiables. Strong deliverability rates and the ability to scale with your SMS strategies are crucial, but you also need to be looking at:

    • Two-Way Messaging: Does your system support two-way conversations? Client-facing SMS banking software should make it easy for customers to contact you with questions, and include a shared inbox, with easy-to-follow conversation histories.
    • SMS Broadcast: Make sure your SMS software can send bulk messages fast. This will be crucial when you’re sending out emergency updates, or fraud alerts. Bulk capability is also crucial for large-scale marketing campaigns.
    • Automated Message Scheduling: Ensure you can automate payment reminders, policy renewal notices, or appointment follow-ups. Bonus points if you can build in logic (e.g., send X days before due date).
    • Message templates: Consistency is key. A good SMS provider offers pre-built, customizable templates for everything from onboarding to CSAT surveys.
    • Reporting and Analytics: An intelligent mobile engagement platform needs to include valuable insights. Look for SMS delivery analytics, insights into engagement rates, and tools for sending out SMS feedback surveys.

    2. Enable Integrations

    Your text messaging software will always perform best when it’s integrated with the tools you already use. Start with CRM integrations. They’re crucial for sending personalized SMS communications, and customized SMS banking alerts. Look for a platform with a one-click Salesforce texting integration, or an API you can use to bridge the gaps.

    Next think about integrations that support compliant texting for financial advisors. Integrations with archiving software and security tools are great for reducing risks.

    After that, you can start exploring other useful integrations, like connectors for contact centers that use AI for customer service, or internal collaboration tools. With a Microsoft Teams SMS integration, your staff can manage client conversations directly from their existing workflows, no new tabs or tools required.

    3. Explore Advanced Capabilities

    Once you’ve nailed the basics, it’s time to level up. These advanced features will future-proof your strategy and help you compete at the highest level:

    • AI Features: Explore conversational AI for finance customer service workflows, or conversational marketing. Dive into agentic AI for finance teams, to automate end-to-end workflows related to account requests, or sales strategies.
    • Advanced automation: Don’t just automate bulk SMS alerts. Create comprehensive automated text message campaigns, with triggers based on SMS keywords or customer actions. Tie in your CRM system for personalized payment and appointment reminders that reach your customers at just the right moment.
    • Dynamic segmentation: Create in-depth customer segments that update in real-time, so you can target clients by account type, risk profile, or location. Insert custom fields like first name, investment type, or next renewal date with personalized SMS communications.
    • Omnichannel capabilities: Upgrade your SMS service for financial industries with access to new communication channels. Experiment with RCS, MSS, OTT channels, even direct routing through Microsoft Teams for phone calls.
    • Security and Compliance: Double-down on secure messaging for finance teams with an encrypted SMS gateway, two-factor authentication, end-to-end team management, access controls, and compliant SMS delivery tracking.

  • Business Texting for Financial Advisors: Compliance Considerations

    Few industries are more heavily regulated than finance. If you’re going to be using finance SMS for anything, from employee communication to automated customer support, you need a strategy for keeping everything secure, and above board.

    The first thing you’ll need to do is familiarize yourself with the regulations governing compliant texting for financial advisors, banks, and service providers.

    Get to grips with:

    • TCPA SMS compliance: This U.S. regulation requires express written consent for most SMS use cases. SMS platforms like Clerk Chat support double opt-in, quiet hours, opt-out tracking, and auto-suppression lists to keep you safe.
    • SEC & FINRA Compliance: If you’re a broker-dealer, advisor, or asset manager, you likely fall under SEC compliance for messaging. That means all communications, including SMS, must be logged, retrievable, and non-deletable. Integrate your archiving software.
    • GDPR and CCPA compliance: For global firms or U.S. companies dealing with California residents, data privacy rules matter. Enable GDPR compliance and CCPA compliance with end-to-end encryption, access control, and user data handling tools.

    Best Practices for Compliant Texting

    The most obvious way to stay compliant with finance SMS, is to choose a financial services messaging platform that prioritizes security. A secure, SOC-2 compliant messaging platform like Clerk Chat, with strong access controls, data encryption, and integrations for archiving tools will save you a lot of headaches. Other SMS best practices to consider include:

    • Prioritize Consent: Use double-opt-in mechanisms to make sure you really have permission to contact your customers, and keep track of consent to maintain TCPA compliance. When someone opts-out, honor that immediately.
    • Protect Data: Lock down your data if you want to ensure SEC compliance for messaging campaigns. Encrypt and secure communication logs, and consider using AI in finance for automated sensitive data redaction where possible.
    • Use Control: Take advantage of the access controls built into your secure texting platform. Control who can view, edit, or delete messages (if deletion is allowed under your regulatory structure).
    • Monitor Everything: Go beyond traffic monitoring. Monitor message delivery, reply times, opt-out activity, and more. Ensure every interaction is tracked in a detailed audit trail.
    • Train your Teams: Make sure your employees know how to use conversational AI for CX safely, when to send segmented messaging campaigns (without disrupting customers), and what words and phrases they should keep out of texts.

    Remember, the right number can make a difference too. 10DLC registration is a great way to earn your customer’s trust, and make sure you’re following crucial compliance guidelines whenever you use SMS for finance.

Customers ❤️ Clerk Chat

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  • Free

    $0

    user / month

    For individuals:

    • 100 messages / year
    • 1 user
    • Bring your own numbers

    Notes:

    • All features
  • Growth

    $9.99

    user / month

    For small businesses:

    • Unlimited messages*
    • 5000 Contacts
    • Bring your own numbers

    Notes:

    • Essential features
  • Ultimate Popular

    $19.99

    user / month

    For power users:

    • Unlimited messages*
    • Message campaigns
    • Bring your own numbers

    Notes:

    • Power features
  • Enterprise

    Custom

    user / month

    For larger enterprises:

    • Custom MSA
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    • Custom Integrations

    Notes:

    • Dedicated account manager

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