AI Front Office for Banks & Credit Unions. An AI receptionist for banks, answering every branch call
Zanus AI is an AI receptionist for banks and credit unions that answers every branch and member-service call, website chat, e-mail and inquiry form, day and night, in the caller's language. It books the loan officer, files service requests, and hands fraud, lost cards and any account question to your staff at once.
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7 days free · per company, never per seat · nothing to install
Easy setup
Answers & books
You talk. Lisa sets it up.
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?”
Any setting, in any module · applied only on your yes
Start with the one thing you need. Add more anytime by asking Lisa.
The whole Front Office › · All industries ›
Who reaches you
Who the AI answers for Banks & Credit Unions
- Members asking for branch hours, ATM locations and holiday closures
- People who want to join and ask what to bring to the account opening
- Borrowers ready to talk with a loan officer about a car or a home
- Cardholders calling about a lost card or a charge they do not recognize
- Business owners and bookkeepers asking what a business account needs
- Families who would rather speak Spanish, Vietnamese or Portuguese
The front desk
What an AI receptionist for banks answers
One front office answers the phone, the website chat, the inquiry forms and the shared inbox from the same approved information.
Branch calls on the first ring
AI Phone answers the main line and every branch number you forward, tells members what they ask about hours, ATMs and closures, and routes the rest by reason to the right desk.
Website visitors who want to join
AI Webchat answers by text or voice in the visitor's language, opens your membership and account pages while it explains, and books the account-opening visit in the conversation.
Loan officers' calendars
AI Booking offers the free times of each loan officer, business banker or notary at the branch the member picks, then sends the confirmation and the reminder by text or e-mail.
Inquiry forms on Sunday night
AI Web Forms replies the moment a loan or account inquiry arrives, verifies the e-mail address and offers the next step you chose, such as a branch appointment with the right banker.
The member-service inbox
AI E-mail sorts mail to lending, card services or operations and drafts each reply from approved wording; a department you choose waits for a person to approve before anything is sent.
Requests your staff complete
AI Tickets turns a travel notice, a statement copy or a charge a member does not recognize into a request with the whole conversation, held for the department that acts on it.
A day at the branch
The moments a virtual receptionist for banks cannot miss
Payday and benefit days
Call volume jumps on the first of the month. Routine questions are answered at once, a deposit question is pointed to digital banking, and nobody waits on hold while every teller window is busy.
Lunch hour at a two-teller branch
One teller is at lunch and the other serves the drive-up lane, yet the phone still answers, books the notary visit and takes the message for the branch manager.
A storm closes the branches
Write the closure message once: every caller hears which branches are closed and when you reopen, and the appointments already booked in that time are listed for staff to move.
A declined card on Saturday night
The cardholder hears the card-service number you published, the call rings your colleague on card duty when one is on, and the message waits on the record for Monday.
Tax forms and year-end statements
Members ask when tax forms are mailed and where to find them in digital banking. The AI answers from the dates you published, in the caller's own language, and files any request for a copy.
A scam text going round town
When members call to ask whether a message really came from you, the AI reads the fraud-safety wording you approved and puts the call through to a person on your team.
Real screens
Inside the AI front desk for credit unions
Real Zanus AI screens with demo data, framed for the front desk of a bank or a credit union.
Compared
AI phone answering for community banks or an answering service?
What a community bank or credit union gets from each way of covering the phone when the branch is busy or closed.
| What a branch needs | A person at the front desk | An answering service | Voicemail | Zanus AI |
|---|---|---|---|---|
| Calls after the branch closes | Unanswered until morning | A message taken | A recording heard tomorrow | Answered 24/7: with routine questions settled on the call |
| The Monday-morning call volume | One call at a time | Callers on hold | A full mailbox | Every call answered: at the same time, in the caller's language |
| A lost card at night | Nobody there | A slip passed on later | Heard the next day | Answered at once: with your published card-service number |
| A loan officer appointment | Booked if the calendar is at hand | A callback promised | A callback hoped for | Booked during the call: into the loan officer's free times |
| What is kept | What someone remembers to write | A message slip | A voice message | Every conversation: with transcript and summary on the member's record |
Guardrails
What member service AI for credit unions hands to your people
Call handling with guardrails: what the AI settles alone, and what always rings a person on your own team.
Accounts and money
Balances, transfers, stop payments and account changes are never handled by the AI. It points the member to digital banking or puts the call through to member service with the reason given first.
Advice, rates and approvals
Which loan suits a household, a personal rate, eligibility or a credit decision always goes to your lending staff; the AI books the loan officer or takes the message.
Fraud, scams and lost cards
A suspected scam, a lost card or a charge the member does not recognize rings your own card services or fraud staff at once; a lost card also hears your published card-service number.
Complaints and hardship
A member who is upset, grieving or struggling with a payment reaches the person your rules name, announced before the call connects, never left with a script.
Set-up
Set up an AI receptionist for credit unions in 2 minutes
Lisa reads your website
Lisa, your AI assistant, reads your branch, product and membership pages, then asks for your hours, your departments and the languages your staff speak.
Forward a branch line
Forward the main number or one branch to your Front Office number; calls are answered from that moment with no porting, and a new local number is available too.
Draw the lines it never crosses
Tell Lisa what always goes to a person: accounts, personal rates, fraud and complaints. She shows each change before and after and applies it on your yes.
A week on your own branches
Run the 7-day trial with no credit card, then read what every call, chat and form produced: an answer, a booking, a request or a hand-over.
Questions & answers
Questions banks and credit unions ask about an AI receptionist
What does an AI receptionist for banks do?
It answers the branch and member-service lines on the first ring, around the clock, from the information your institution approved: hours, branches, ATMs, holiday closures and what to bring to open an account. It books appointments with a loan officer or a business banker, takes messages with the callback number read back, and routes card, fraud and account calls to your staff, like a call center that never closes.
How are credit unions using AI at the front desk?
Mostly for the inbound calls and messages that pile up while tellers serve the line: routine questions answered 24/7, branch appointments booked during the call, website chats answered in the member's language and inquiry forms replied to in seconds. Every conversation lands on the member's record with a transcript, so staff start from what was said.
Does the AI open accounts, read balances or move money?
No. It never opens or reads an account and never moves money, because it works without any access to your core or your digital banking. A caller who needs a balance, a transfer or an account change is pointed to digital banking or put through to member service, with the reason announced first.
Will the AI give financial advice or quote a member's loan rate?
It gives no financial advice. It answers only from the knowledge your institution approved, so it may read a published rate from the rate sheet you added, with its date, and point to your rates page. A personal rate, an approval or who qualifies stays with your lending staff, and the AI books the loan officer.
What happens when a member calls about fraud or a lost card?
The call rings your own card services or fraud colleague, on the computer, the phone app or their mobile number, and they hear who is calling and why first. A lost or stolen card also hears the card-service number you published in your approved knowledge; the AI never transfers to an outside number.
Can the AI receptionist answer our members' frequently asked questions?
Yes. Branch hours, ATMs, holiday closures, what to bring to open an account and when tax forms are mailed come from your knowledge base: the pages and documents you approved. A question the knowledge base does not answer is never guessed; it waits for your staff to answer once, then every channel knows it.
Is it an AI agent or a phone menu?
An AI agent, not a menu. Each department becomes one of your voice agents, with its own name and AI voice, and callers say what they need in their own words and hear the answer in real time. The AI never closes; your business hours only decide when a person can be reached.
How does the AI check who is calling?
Only for what it does itself: a branch appointment enters the book once the caller's number, a texted code or a verified e-mail confirms the guest. Identity checks for an account stay with your staff and your own systems, and a rule written once keeps the AI from asking for a PIN, a password or a full card number.
Will AI receptionists replace our tellers and member service representatives?
No. It takes the routine calls, the overflow during the lunch rush and the after-hours calls, so tellers can serve the people standing at the counter. Your people still decide everything about an account, a loan or a dispute, and they receive each call the AI hands over with its context.
Can members talk to it in Spanish or another language?
Yes. The AI speaks 40 languages and answers each caller, chat visitor or e-mail writer in their own, from the same approved information. Calls can also be routed by language, so a Spanish-speaking member reaches a Spanish-speaking colleague first whenever your rules say so.
Do we need to change our phone system or our core?
No. You forward the branch line you already have to your Front Office number and calls are answered from that moment, with no porting. The AI needs no connection to your core, your digital banking or your card systems, because it answers from approved information only.
What does an AI receptionist for credit unions cost?
It is priced per company, never per seat, so every branch and every representative shares one subscription. The plans are on the pricing page, and the free trial runs the Front Office for 7 days on your own lines with no credit card; Auto-Call opens with your first paid plan.
Can the AI book appointments with our loan officers and business bankers?
Yes, with AI Booking. It offers only the free times of the right banker at the branch the member chooses, books the visit during the call or the chat, and sends the confirmation and the reminder. Each kind of appointment keeps its own length and the questions you want answered first.
What does the branch manager see at the end of the first week?
Every call, chat, e-mail and form with its transcript or text, its summary and its outcome: answered, booked, filed as a request or handed to a person. The morning briefing says what came in overnight, and missed calls and hang-ups are listed with the caller's number for a call back.
Award-winning AI
Winner at CES 2026, ISE 2026 and TMCnet Enterprise AI Product of the Year.
REAL AI - the whole Front Office is AI, not old software with an AI button.
Awards & trade shows ›
Give Lisa your website.
She sets up your business in 2 minutes.
Other software makes you learn it. Zanus AI learns your business.
Try it free on your own business — no credit card, per company, never per seat.
Ready to buy? See plans & pricing ›
Or call +1 (954) 736-3939 — the AI answers.