Text Messaging for Credit Unions

Text messaging meets members where they are—on their phones. With 98% of texts read within 3 minutes, credit unions can deliver instant account alerts, loan updates, and payment reminders without forcing members to wait on hold or visit branches. Members especially appreciate the convenience of two-way conversations for quick questions, document submissions, and payment processing. Clerk Chat's AI-powered responses ensure members get accurate answers 24/7, even outside business hours, while maintaining the personal touch credit unions are known for.

Clerk Chat takes compliance seriously with built-in 10DLC registration support and automated opt-in/opt-out management to meet TCPA regulations. Our platform integrates directly with enterprise archiving solutions like Smarsh, Global Relay, and Azure Storage, ensuring every message is logged and retrievable for audits. We provide double authentication for sensitive transactions, encrypted message storage, and secure document transfer capabilities. Plus, our platform maintains detailed logs with export functionality for regulatory reporting, making compliance reviews seamless.

Yes, Clerk Chat seamlessly integrates with major platforms credit unions already use. Our native connectors work with Salesforce for CRM functionality, Microsoft Teams for internal collaboration, and various core banking systems through our flexible API. You can sync member data, automate workflows, and ensure all text communications are logged in your existing systems. Our team handles the technical setup, and most credit unions are fully integrated within days, not weeks.

Credit unions use Clerk Chat for everything from transactional alerts to marketing campaigns. Send automated payment reminders, balance notifications, and fraud alerts. Process loan applications with status updates and document requests. Run targeted campaigns for new products, special rates, or member events using our SMS campaign tools with built-in analytics. Our platform supports both SMS and MMS, so you can include images, PDFs, and branded RCS messages for richer member experiences. Every message type includes customizable templates and variables for personalization.

Credit unions typically see 40-60% reduction in call volume for routine inquiries, freeing staff for complex member needs. Our automated AI agents handle common questions about balances, hours, and rates instantly, reducing average handling time from 5-7 minutes per call to under 30 seconds per text. With integrated pay-by-text features, payment collection improves by 35% on average, reducing delinquencies and collection costs. Most credit unions report positive ROI within 60 days through reduced operational costs and increased member engagement in cross-selling opportunities.

Most credit unions go live within 7-10 business days. Our streamlined onboarding includes bringing your existing numbers or provisioning new ones, setting up compliance features, configuring templates, and training your team. We handle 10DLC registration, help establish opt-in procedures, and configure your archiving integrations. Your dedicated success manager guides you through launching your first campaigns, setting up AI responses, and establishing workflows. Many credit unions start with payment reminders and account alerts, then expand to marketing and member service as comfort grows with the platform.