27 banks and credit unions with live chat customer service

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Gen Z and millennials are more comfortable with customer service through chat boxes or online features than older generations.

  • Younger generations tend to prefer online customer service platforms.
  • Some banks and credit unions offer live chat on their website or app to answer questions.
  • You may need to be a current customer to use a bank’s live chat feature.

Calling customer service can sometimes take time and energy you don’t have. If you’ve ever found yourself in this situation, you’re not alone.

This perspective is shared by many younger customers who aren’t always the biggest fans of telephone customer support. According to a 2022 Zendesk Customer Experience Trends Report, millennials and Gen Z are more comfortable with different mediums of online support, including in-app messaging and chat boxes, while older generations prefer to stick to traditional methods, like talking to someone over the phone.

If you’re curious about which banks offer online customer support, this list may interest you.

Bank and credit unions with live chat customer support 

1. Affinity Plus Credit Union

How to use live chat feature: Affinity Plus lets you speak with a live agent if you ask the Affinity Plus chatbox. The chatbox will appear on the bottom right corner of the screen when you’re browsing through specific pages on the website. 

2. Ally

How to use live chat feature: You must have an Ally bank account to use live chat. Log into online banking to talk to the customer support team.

3. Amalgamated Bank

How to use live chat feature: Click on the chat feature on the bank’s Customer Service page. A chat box page will appear and you’ll enter your name, then you’ll wait until the next customer representative is available. 

4. Atmos Financial

How to use live chat feature: You can schedule a web conference meeting with a customer specialist by scrolling to the bottom of the platform’s website and clicking on “Book 15 Min Mtg” under the Support tab. 

5. Axos Bank

How to use live chat feature: Axos Bank lets you speak with an Axos Team Member if you ask the EVO Virtual Financial Assistant. EVO is usually located at the bottom of the bank’s website. 

6. Bank of America

How to use live chat feature: The live chat feature pops up when you’re browsing through certain pages on the bank’s website. You’ll find it in the lower right-hand corner of the screen.

7. Barclays

How to use live chat feature: If you are a customer of Barclays, live chat is available in the Barclays mobile app. Speak with a consumer representative by logging into your account, and going to the Contact Us section.

8. Blue Federal Credit Union

How to use live chat feature: Blue Federal Credit Union lets you speak with a customer representative if you’re browsing through the website. You might find the chatbox at the bottom right corner of the bank’s homepage or the Contact page. 

9. Capital One 360

How to use live chat feature: Live chat is available if you bank with Capital One 360. Log into online banking to contact a representative.

10. Charles Schwab

How to use live chat feature: Click on the chat feature on the Charles Schwab Customer Service page. You’ll have to log into online banking if you have an account. If you don’t have an account, you’ll have to share your email and full name to verify your identity. 

11. CIT Bank

How to use live chat feature: Live chat is only available if you’re part of CIT Bank. You’ll have to log in to send a message.

12. Citi

How to use live chat feature: To use the online chat feature, you’ll need to sign into online banking or mobile banking.

13. Clean Energy Credit Union 

How to use live chat feature: To use the online chat feature, you’ll need to sign into online banking or mobile banking.

14. Consumers Credit Union

How to use live chat feature: Only members have access to 24/7 live chat. Sign in to online banking.

15. Connexus Credit Union

How to use live chat feature: Only members have access to 24/7 live chat. Sign in to online banking.

16. Discover Bank

How to use live chat feature: You must bank with Discover Bank to initiate live chat. Log into online banking.

17. GECU

How to use live chat feature: GECU lets you speak with a customer representative if you’re a customer. On the right side of the page, there’s a chat button.

18. KeyBank

How to use live chat feature: You must bank with KeyBank to initiate live chat. Log into online banking or visit the contact us page and click on the Live Chat sign-in.

19. Marcus by Goldman Sachs

How to use live chat feature: Only customers have access to the bank’s live chat tool. Sign into online banking to reach out to a representative

20. Navy Federal Credit Union

How to use live chat feature: Navy Federal Credit Union lets you speak with a customer representative if you’re browsing through the website. Look for the chat feature at the bottom right-hand corner of the page. 

21. Juno

How to use live chat feature: Visit Juno’s support page. One of the options will be to talk to a support team member.

22. LendingClub

How to use live chat feature: LendingClub lets you speak with a customer representative if you’re browsing through the website. Look for the chat feature at the bottom right-hand corner of the page. 

23. Quontic Bank

How to use live chat feature: Visit Quontic Bank’s Contact page. One of the options will be to use live chat. 

24. Security Service Credit Union

How to use live chat feature: Security Service lets you speak with a live agent if you ask the AVA virtual assistant. AVA is usually located at the bottom of the bank’s website. 

25. SoFi

How to use live chat feature: Only customers have access to the bank’s live chat tool. Sign into online banking to reach out to a representative

26. Synchrony

How to use live chat feature: Anyone using Synchrony’s website may use the live chat feature. Head to the contact page and see if a live agent is available. 

27. VyStar Credit Union

How to use live chat feature: Initiate live chat by clicking on the VyChat button, which can be found on the right side of the screen on most of the bank’s pages.

Frequently asked questions

How does live chat bank customer service work? 

Live chat varies between financial institutions. Some places, like Ally and Capital One 360, require you to log into online or mobile banking to use the live chat feature.

Other institutions have a live chat feature on the bank website. There will usually be a chat box at the bottom of the screen or a link on the contact page. You won’t need to be a customer to talk to a representative. You can ask questions if you’re exploring banking services. 

What’s the difference between live chat and an automated virtual assistant?

Live chat isn’t necessarily the same as an automated virtual assistant. With live chat, you’ll be speaking to an actual person. Automated virtual assistants, otherwise known as virtual chats, are essentially AI bots that answer frequently asked questions.

Some virtual assistants let you speak with a representative if you ask them. However, this won’t work with all virtual assistants.

Which bank offers the best customer experience? 

When you’re considering where to bank, think about what you prioritize most. 

Most of the financial institutions on this list have various ways of providing customer service. Representatives might be available over the phone, through email, or via online chat. You may like banking with one of the financial institutions on this list if you’re looking for multiple ways to reach representatives or haven’t been satisfied with customer service in the past. 

If you find yourself struggling to contact a bank during normal hours, you may also want to consider switching to a place that offers 24/7 customer support. You’ll be able to get help at any time of day, and often with a quicker turnaround since there are more online representatives.

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