Winner CES 2026 · ISE 2026 · TMCnet 2026

AI Phone for Banks & Credit Unions. The credit union call center that answers every member

AI Phone is a credit union call center on one number: AI voices for each of your departments answer members on the first ring, day and night, in their language. It settles routine calls, books the loan officer during the call and routes card, fraud and account calls to your staff with the reason announced first.

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7 days free · per company, never per seat · nothing to install

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Zanus AI · AI Phone · All calls

Credit union call center: the call register with length, outcome, language and who handled each call, real Zanus AI screen

All calls

Every call with its length, outcome, language and who handled it; the transcript and the summary open in one click, and the list exports.

Easy setupSet up everything just by talking to Lisa AISee how ›

You“Card and fraud calls go straight to card services; balance questions go to digital banking.”

Lisa“Card and fraud callers will reach card services first, and balance questions will be pointed to digital banking. Apply?”

You talk. Lisa sets it up. Applied only on your yes.

How Banks & Credit Unions use it

A member's debit card is declined at a gas station at 9 PM; the call is routed straight to the colleague on card duty.

During the Friday payroll rush a caller asks which branch has a coin machine, then books Tuesday's notary visit on the same call.

A caller unsure whether a text about a locked account came from you hears your fraud-safety wording, then reaches a person.

REAL AI - the whole Front Office is AI, not old software with an AI button.

What’s included

Keep your number: forward your existing line to your Front Office line and the AI answers immediately, no porting needed. Port the number in when you decide; we handle it with the carrier
A local number in your area, or your own number ported in
Answers on the first ring, 24/7, 365; your business hours only decide when people are reachable
Human-like voice: you choose the voice and the persona per function, greeting, sales, support, booking, callbacks
Receptionist style, no phone menu: the caller just talks in any of 40 languages; the AI detects the language on the first sentence and switches the whole call
Departments you define, sales, support, booking, billing, technical…, each with its own policy: AI first, operator first, or AI only; each with its own AI specialist when no human is free
Directory of your operators with per-day working hours, languages, the nicknames callers use, vacations and temp-worker expiry
Transfers announce the caller and the reason; your person accepts before the call is connected; the call is pulled back before a mobile voicemail can swallow it
Language routing: a Spanish-speaking caller reaches your Spanish-speaking operator first
Hold music with spoken updates; when a person is unavailable the AI says the honest line you wrote for that time of day
Takes messages with the callback number read back and confirmed, delivered to that person's own inbox
Books appointments live from your calendar during the call; captures the e-mail letter by letter; saves the lead
Every fact from your approved knowledge, prices only from your catalog; with no source it says so and offers a person
Robocalls and telemarketers get one polite goodbye and stay away from your team
Off hours your way: full AI service, take-a-message only, or voicemail; holidays and special closures with the message you write
Every call transcribed into the customer's record with a summary; call log with transcripts, exportable; the morning briefing reads it for you

Available on its own or inside a solution · See pricing › · Per company, never per seat.

Everything AI Phone does, for every business ›

Works withAI Booking AI Calls Teleprompter AI Calls Transcripts AI Quoting AI Tickets AI Returns & Warranty AI CRM Lisa, your AI assistant

Every member call

What the credit union call center answers on its own

Routine calls make up most of a branch's call volume; AI Phone settles them on the call, from what your institution approved.

Hours, branches and ATMs

Branch hours, holiday closures, which locations have a drive-up lane or a coin machine, and where the nearest ATM is, answered from your own pages in the caller's words.

Joining and opening an account

Who may join, what to bring to the account opening and how long the visit takes, told in the wording your institution approved, then the visit booked during the call.

Appointments during the call

With AI Booking, the caller picks one of two or three free times of the right loan officer or business banker, and the confirmation is sent before the call ends.

Messages that reach the right desk

A caller who wants lending or operations to call back leaves a message; the callback number is read back digit by digit and filed for that department.

Call routing by reason and language

Card services, fraud, lending, business banking or a named colleague: the AI routes calls by reason and language, and each department chooses AI first, staff first or AI only.

Every call written down

Each call the AI answers is saved with its transcript, summary and outcome on the member's record at no extra cost, so a colleague reads it before calling back.

Busy moments

A bank answering service for the hours tellers cannot pick up

Opening hour on Monday

The weekend's questions arrive at once. Every caller is answered without a hold queue, and wait times stop depending on how many tellers came in that morning.

Overflow at lunch

Set member service to your people first: tellers pick up when they can, and the AI answers the overflow calls the moment nobody is free.

After-hours answering for credit unions

Outside branch hours choose full AI service, a message only or voicemail; on holidays and closures, callers hear the message you wrote for that day.

A banker on Do Not Disturb

When the business banker is in a meeting, the AI says when they will be back or takes the message, instead of letting the line ring out.

Hand-overs

Voice AI for credit unions that knows when to pass the call

Announced before it connects

Your colleague hears who is calling and why before the transfer connects, so the member never tells the story twice to a second person.

Rings where your people are

Transfers ring staff on the computer, in the phone app on their smartphone or on their mobile number, in the order each person chooses.

An honest line when nobody is free

When nobody on your team can pick up, the AI takes a message, and a lost or stolen card hears the card-service number you published in your knowledge.

Managers on live calls

A branch manager can follow a live call in real time, then read the transcript and the summary as soon as the call ends.

Compared

AI for banking call centers compared with the alternatives

How each way a bank or credit union covers its phone handles the calls members make every week.

What member calls need	Voicemail or a phone menu	A human answering service	A basic AI receptionist	AI Phone
A question at 10 PM	Heard tomorrow	A message taken	A greeting and a message	Answered on the call: from your approved information
A loan officer visit	A callback hoped for	A callback promised	A link sent	Booked during the call: into the banker's real free times
A lost card	A recording	Passed on later	Transferred if set up	Your card staff rung: and your published card-service number read
The member's language	Your greeting's language	The operators' languages	Often one or two	The caller's own: among 40 languages
What the branch reads next	A voice message	A note	A short log	Transcript and summary: on the member's record

Guardrails

What the call center never does with a member's money

No account access

AI Phone needs no link to your core or your digital banking, so it cannot read a balance, move money or change an account.

No advice and no personal rates

The AI may read a published rate from your rate sheet, with its date; which loan suits a caller, a personal rate, an approval or who qualifies goes to a loan officer.

Questions it never asks

One rule written in your knowledge keeps the AI from asking for a PIN, a password, a one-time code or a full card number, and that rule is tested every night.

Your wording on scams

When a caller describes a suspicious text or call, the AI reads the fraud-safety wording you approved and routes the caller to a person at once.

Set-up

Set up your credit union call center in 2 minutes

Lisa reads your branch pages

Lisa learns your branches, hours, products and membership wording from your website, then asks which departments take which calls.

Forward the line you have

Forward the main number or a branch line to your Front Office number: no new phone system, no porting, calls answered from that moment.

Name your departments

Card services, lending, business banking, member service: tell Lisa who covers each and when, and she shows the before and after for your yes.

Seven days of real member calls

Run the free trial on your own lines with no credit card and read the report of every call it answered when the week ends.

Questions & answers

Questions about a credit union call center on AI

What is a credit union call center on AI?

It is one member-service number answered by AI voices for each of your departments, such as the front desk, card services, lending and business banking. They answer from the information you approved, finish routine calls, book appointments and hand callers to your staff when your rules say so.

Can each branch keep its own phone number?

Yes. Forward each branch line or your contact-center number to the Front Office and the AI answers right away, with no porting. Each department can be your people first or AI first, so tellers pick up during the day and the AI takes overflow and after-hours calls.

How is it different from a human answering service?

A human answering service for banks usually takes a message for the morning. AI Phone answers from your approved information, books the loan officer during the call, routes card and fraud calls by reason, and writes every call with a transcript and summary on the member's record.

Can the AI tell members their balance or recent transactions?

No. It has no access to accounts, so balance and transaction questions are pointed to your digital banking or put through to member service, in the words you approved. Nothing about a specific account is answered by the AI.

Does the AI ask callers for card numbers or PINs?

No. It asks only the questions you set, and a rule in your knowledge keeps it from asking for a PIN, a password, a one-time code or a full card number. Identity checks for an account stay with your staff and your own systems.

Can the AI transfer a caller to an outside number?

No. Transfers ring only your own people, on the computer, the phone app or their mobile number. A member with a lost or stolen card hears the card-service number you published in your approved knowledge and can dial it, and the call is written on their record.

What does the AI do with a question about a fee?

It explains the fee as your published fee schedule words it and offers a person for anything more. Whether a fee is refunded is your staff's decision, so the AI takes the member's reason as a message for the right department.

Can a branch manager follow live calls?

Yes. Managers can follow a live call in real time and read every finished call with its transcript, summary and outcome. The morning briefing lists what came in overnight, and missed calls and hang-ups wait with the caller's number for a call back.

Which languages does the AI speak with members?

The caller's own, among 40 languages, from the same approved information. It can also route calls by language, for example a Spanish-speaking member to a Spanish-speaking representative when one is free.

Are member calls recorded?

The AI's own calls are always written down with a transcript and a summary. Audio recording is a separate switch, off as shipped; when you turn it on, callers are told, and you choose how long recordings are kept.

How much does an AI call center for a credit union cost?

AI Phone is priced per company, never per seat, so every representative and every branch shares one subscription. The plans are on the pricing page, and you can try it free for 7 days on your own lines with no credit card.

Keep exploring

Where next?

Start with the one thing you need. Add more anytime by asking Lisa.
AI Front Office for Banks & Credit Unions ›

Award-winning AI

Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.