AI Agents for Retail Banking & Credit Unions | $99/mo

Automate Retail Banking Ops &
Slash Call Center Queues by 80%.

Deploy specialized AI Agents that authenticate cardholders in seconds, freeze lost debit cards, triage unauthorized charge disputes under Reg E, and pre-qualify mortgage applications — fully compliant with GLBA and SOC 2. From $99/month. Live in 24 hours.

100 free test credits • Plans from $99/month • Live in 24 hours • SOC 2 Certified
Book a Free Demo Start Free — Plans from $99 →

Works with Fiserv, FIS, Jack Henry, and Q2 Digital Banking  ·  No credit card required  ·  Cancel anytime

The Cost of Inaction

Where Your Business Is Quietly Leaking Revenue.

Traditional teams struggle to handle peak volume, after-hours inquiries, and manual data entry. Here is what is costing you every month:

01
Panicked Customers Sit on Hold for Fraud & Lost Cards
When cardholders suspect fraud or lose a debit card, sitting on hold for 30 minutes leads to massive account balance losses and high customer churn.
02
Regulation E Dispute Paperwork Overwhelms Back-Office Teams
Processing merchant chargeback disputes, issuing provisional credits, and drafting formal investigation notices requires tedious manual compliance work.
03
Loan Pre-Qualification Takes Days of Back-and-Forth
Borrowers seeking auto loans or personal lines of credit abandon applications when credit unions take 48 hours to collect paystubs and debt ratios.
The AI Agent Solution

Specialized AI Agents That Never Sleep.
Orchestrated by One Main AI Agent.

Deploy a coordinated team of dedicated sub-agents that solve your revenue leaks, qualify buyers, and automate operations 24/7/365.

Sub-Second Response Across Channels
Answer 100% of incoming inquiries on Webchat, WhatsApp, SMS, and Slack in under 1.2 seconds — day or night.
Live System & CRM Sync
Every interaction, appointment, and qualification score is instantly committed to Fiserv, FIS, Jack Henry, and Q2 Digital Banking without manual human data entry.
Autonomous Execution & Approvals
Sub-agents handle 90% of routine workflows autonomously, while flagging high-value threshold tasks for 1-click Slack approvals.
Seamless Setup

Configure Your AI Agent in 4 Simple Steps.

No code. No engineering resources. Live and working with your stack in under 24 hours.

STEP 01
Connect Core Banking & Card Processing Rails
1-click integration with Fiserv, FIS, Jack Henry, Q2, and Visa/Mastercard networks.
STEP 02
Ingest Banking Compliance Rules & Underwriting Matrices
Upload Regulation E timelines, BSA/AML thresholds, credit tier matrices, and fee schedules.
STEP 03
Configure Autonomous Cardholder & Lending Workflows
Enable 24/7 card freeze and reissue, automated provisional dispute credits, and loan pre-approvals.
STEP 04
Direct Bank Branch & Contact Center Ops via Chat
Command the Main AI Agent for branch queue volume, dispute resolution speed, and deposit growth.
Chat-Ops & Prompt-Driven Execution

Everything Done Through Chat.
No Complex Dashboards. No Clunky Menus.

Manage your entire operation directly through natural conversation. Whether in Slack, Teams, SMS, WhatsApp, or Webchat — just tell your AI Agent what to do.

1. Get Reports via Prompt
"Show me today’s inbound banking support volume, card fraud dispute resolution velocity, and digital loan originations."
Report: 3,420 inquiries handled (avg handle time 34s), 94% first-contact resolution, $1.2M consumer loans pre-approved.
2. Assign via Prompt
"Freeze compromised debit card for member David Miller and dispatch digital replacement card to Apple Wallet."
Blocked card #4028; issued instant virtual tokenized debit card to Apple Wallet; ordered physical card.
3. Schedule via Prompt
"Initiate formal Reg E dispute for unauthorized $240 overseas online charge on checking account."
Issued $240 provisional credit; filed merchant chargeback; generated statutory Reg E notice.
4. Update Fiserv & Jack Henry Core via Prompt
"Evaluate auto loan pre-qualification for applicant with 720 credit score and $85k verified annual income."
Calculated 28% DTI; pre-approved $35,000 auto loan at 5.49% APR; sent digital promissory note.
Webchat Widget
WhatsApp Business
SMS & Twilio
Slack Workspace
AI Voice Inbound
Live Interactive Customer Conversation Simulator
Active · Sub-1.2s Response
CU
Member called: "There is an unauthorized charge for $189.50 from a store in London that I never visited!"
AUTONOMOUS FRAUD BLOCK & REGULATION E DISPUTE INITIATION
Biometric Voice Authentication: Verified member identity in 1.8 seconds
Fiserv Core: Froze active debit card to prevent subsequent fraudulent transactions
Issued $189.50 provisional credit to checking account and initiated Visa network chargeback
Fraud Blocked & Provisional Credit Issued! Verified your identity. Your compromised card has been frozen and a virtual replacement has been pushed to your Apple Wallet. We issued an immediate provisional credit of $189.50 to your checking account under Regulation E. A formal dispute confirmation has been emailed.
100%
Lead Coverage Across All Channels
< 1.2s
Average Response & Booking Time
$0
Extra Engineering or Setup Costs
Multiple Specialized AI Agents · One Main AI Agent

One Main AI Agent Handles All Reports.
Specialized AI Agents Do the Specific Work.

Leadership prompts the Main AI Agent for consolidated store reports, pipeline briefings, and approvals. Each department interacts with specialized sub-agents tailored to their workflow in Slack, Teams, or Webchat.

Banking Leadership Command
Consolidated Branch & Contact Center Performance
Prompt the Main AI Agent for contact center call handle times, card dispute compliance velocity, consumer loan pull-through rates, and Net Promoter Scores.
Sub-30s First Response Time
Eliminates hold queues during fraud and card loss emergencies.
100% Reg E & GLBA Compliant
Guarantees statutory dispute timelines and federal data privacy.
Accelerate Consumer Lending
Delivers instant pre-approvals that win loans before car dealers can pitch.
#banking-command
Main AI Agent · Banking Mode
VP
Victoria Vance (VP Retail Banking)09:00 AM
What is our contact center hold time this morning, and how many debit card dispute requests were filed under Regulation E?
Rhino Main AI Agent09:00 AM
Retail Banking Operations Summary:
• Contact Center Hold Time: Zero seconds (Average handle time: 34 seconds).
• Total Inbound Inquiries: 1,420 resolved autonomously (93.8% resolution rate).
• Reg E Disputes Processed: 24 disputes logged; provisional credits issued in avg 4.2 minutes.
• Consumer Lending: $380,000 in auto and personal loans pre-approved.
• Member CSAT: 4.9/5 stars.
Fraud Specialist
Resolves Cardholder Disputes in Minutes
Authenticates callers, freezes compromised cards, issues provisional credits under federal Regulation E timelines, and files network chargebacks.
Instant Card Lockdown
Freezes debit/credit cards across Visa and Mastercard networks in seconds.
Automated Reg E Filings
Issues mandatory 10-day provisional credits and member disclosure letters.
Virtual Card Apple Wallet Push
Provisions replacement cards instantly so members aren’t left without money.
#fraud-disputes
Fraud Agent
MEMBER
David Miller (Cardholder)11:30 AM
I lost my debit card at the airport. Can you block it and send me a new one?
Fraud Agent11:30 AM
I’ve immediately blocked your lost card to prevent unauthorized spending! I’ve just generated a new virtual debit card and sent an activation push to your Apple Wallet so you can make purchases right away. A physical card has been ordered to your home address.
Lending Specialist
Delivers Instant Loan Approvals on Mobile
Executes soft credit bureau inquiries, verifies income via Plaid, calculates debt-to-income (DTI) ratios, and issues conditional approval letters.
Zero Credit Impact Soft Pulls
Pulls credit scores without penalizing applicant credit ratings.
Automated DTI Calculation
Analyzes bank deposit statements and existing revolving debt.
Instant Pre-Approval Letters
Issues dealership-ready loan commitment letters in under 60 seconds.
#consumer-lending
Lending Agent
SPEC
Carlos Mendez (Lending Manager)02:00 PM
Review auto loan application for member Elena Rostova ($24,000 loan request).
Lending Agent02:00 PM
Auto Loan Approved:
• FICO Auto Score: 760 (Tier 1 Prime).
• Verified Income: $6,800/mo (DTI: 19.4%).
• Approved Terms: $24,000 @ 5.19% APR for 60 months ($454/mo).
• Digital loan documents sent to member’s mobile banking app for e-sign.
Servicing Specialist
Resolves 85% of Everyday Banking Inquiries
Answers questions about routing numbers, transaction history, wire transfer instructions, check stop-payments, and overdraft protection.
Voice Biometric Authentication
Validates member identity in seconds without cumbersome security questions.
Instant Check Stop-Payment
Places holds on lost checks directly in the core banking system.
Wire Instruction Generation
Delivers accurate domestic and international SWIFT wiring instructions.
#account-servicing
Servicing Agent
SPEC
Elena Rostova (Branch Specialist)04:15 PM
Status of incoming domestic wire transfers for today.
Servicing Agent04:15 PM
Incoming Fedwire Status:
• 64 incoming domestic wires received ($2.8M total volume).
• 100% matched to member account ledgers in Fiserv.
• OFAC Sanction Screening: 100% cleared with zero false-positive holds.
• All funds credited to member balances.
Enterprise Features

Everything You Need for Enterprise Automation.

Built for high-volume operations, strict compliance, and effortless multi-channel management.

Sub-Minute Fraud Lockdown & Reg E Disputes
Freeze compromised cards, issue provisional account credits, and file merchant chargebacks automatically.
Instant Consumer Loan & Auto Pre-Approvals
Perform soft credit pulls, verify income via Plaid, and issue digital loan commitments in 45 seconds.
Instant Virtual Card Push to Apple Wallet
Provision replacement debit and credit cards into mobile wallets instantly when physical cards are lost.
Out-of-Band High-Value Wire Fraud Screening
Screen commercial wire transfers against behavioral biometrics to eliminate business email compromise.
24/7 Voice & Chat Everyday Account Servicing
Answer balance inquiries, process check stop-payments, and provide SWIFT wiring instructions 24/7.
Full Core Banking Software Stack Sync
Seamlessly connect Fiserv, FIS, Jack Henry, Q2 Digital Banking, and Visa/Mastercard.
Native Integrations

Connects to Your Entire Tech Stack.

RhinoAgents connects via secure REST APIs and webhooks in under 15 minutes.

Core Banking Systems
Fiserv & Jack Henry Core
Synchronize member deposit ledgers, transaction histories, card statuses, and loan accounts.
Card Payment Networks
Visa DPS & Mastercard PPS
Real-time card authorization blocks, tokenized digital wallet provisioning, and dispute filings.
Open Banking & Verification
Plaid & MX Financial Data
Automated bank account verification, real-time balance checks, and direct deposit payroll audits.
Credit Decisioning
Experian & Equifax Credit Bureaus
Instant soft credit bureau inquiries, FICO Auto scores, and consumer debt ratio modeling.
Secure Member Messaging
WhatsApp & SMS Banking Gateways
Send real-time transaction alerts, fraud confirmation prompts, and digital loan documents.
Operations Control
Slack & Teams Branch ChatOps
Real-time branch queue alerts, high-value wire notifications, and daily deposit briefings.
Common Questions

Frequently Asked Questions.

Everything you need to know about pricing, setup, and multi-agent operations.

How does the AI handle unauthorized card charges and Regulation E disputes?
The AI authenticates the member, freezes the compromised card in your core system, issues a provisional credit under Regulation E timelines, files a formal chargeback with Visa/Mastercard, and delivers an instant replacement card to their Apple Wallet.
Can it pre-qualify members for auto and personal loans automatically?
Yes! The AI performs a soft credit inquiry with zero score impact, calculates debt-to-income (DTI) using verified bank deposits, and delivers a formal pre-approval letter in under 45 seconds.
How does it help eliminate contact center hold queues?
The conversational AI voice agent answers in 2 rings, 24/7/365. It handles 85%+ of routine banking inquiries (balances, transfers, lost cards, routing numbers) autonomously, freeing human bankers for high-value consultations.
Does it integrate directly into Fiserv, FIS, and Jack Henry?
Yes! RhinoAgents connects via secure banking APIs directly into Fiserv Premier/DNA, FIS, Jack Henry Symitar, and Q2 Digital Banking.
What does the $99/mo plan include for banks and credit unions?
The $99/mo plan includes unlimited specialized sub-agents, full core banking integrations, 100 free test credits, 24/7 voice banking, and automated Reg E dispute processing with zero setup fees.
Is member financial data compliant with GLBA and SOC 2?
Yes. We are SOC 2 Type II certified, GLBA compliant, and adhere to strict FFIEC cybersecurity standards. Member financial information is encrypted end-to-end and never used to train public AI models.
"RhinoAgents eliminated our Monday morning call center backlog. Resolving lost cards and initiating Reg E disputes in 40 seconds reduced our average hold time from 22 minutes to zero."
Victoria Vance
Chief Experience Officer · Cascade Community Credit Union
AI Agents for Retail Banking & Credit Unions

Connect. Configure. Get Work Done.
Plans from $99/mo.

Your AI Agent connects to Fiserv, FIS, Jack Henry, and Q2 Digital Banking in minutes — then works 24/7 qualifying leads, booking meetings, and updating your systems. Live in 24 hours.

Book a Platform Demo Start Free — Plans from $99 →
100 free test credits • No credit card required • Cancel anytime • Live in 24 hours
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