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Features > Account holder communication

Live chat built for relationship banking

Turn public website visits into helpful, real-time conversations. Use AI, configurable routing, and human support to guide each visitor toward the right next step.

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Live chat at a glance

Immediate access. More relevant support.

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Public website access

Engage account holders and prospects without requiring sign-in.
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Available on any device

Offer a consistent experience across mobile, laptop, and desktop.
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Page-aware routing

Use entry-page context to guide conversations toward the appropriate team.
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Rich conversations

Share messages, files, and inline images. Use emojis and support translated conversations.
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AI and human support

Use Lynq AI for structured or generative self-service, then transition to an employee when needed.
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Institution-branded experience

Configure the appearance, pre-chat experience, and visitor journey around your institution.

How live chat works

From website visit to the right conversation

Shape the journey around your website, service model,
and the help each visitor needs.
  1. A visitor starts a conversation from your public website
  2. Lynq uses page context, the request, and configured rules to shape the experience
  3. Lynq AI can answer routine questions or guide a structured workflow
  4. An employee joins when human support is appropriate
  5. Continue into secure or visual support when needed
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Designed for better service

A better experience on both sides of the conversation

Give visitors a clearer path to help while enabling employees and managers to handle conversations more effectively.

For visitors and prospects

Get immediate help

Start a conversation without searching for a phone number or signing in.
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For employees

Receive more relevant conversations

Connect with visitors whose needs align with the employee’s role and expertise.
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For managers

Shape service around your model

Align routing and coverage with teams, priorities, and the way your institution operates.
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Connected support

Continue into the right kind of support

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Authenticate when needed

Begin on the public website, then verify the visitor when a request requires secure account-level assistance.
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Share files securely

Exchange sensitive documents, including identification or financial statements, through secure file sharing.
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Add visual support

Move into video banking or co-browsing when face-to-face assistance or on-screen guidance would be more effective.

Built for financial institutions

Trust is part of the experience

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SOC 2 Type II controls

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Secure, time-limited file access

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Configurable permissions and data masking

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We have had a ton of compliments regarding the ease of use and ability to quickly assist customers.

Misti Mostiller
EVP, Chief Consumer Banking Officer
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Connected capabilities

Frequently asked questions

Does live chat require visitors to sign in?
No. Live chat is available on your public website, so visitors can start a conversation without signing in. When account-level support is needed, the institution can authenticate the visitor.
Can live chat route visitors to different teams?

Yes. Routing can use the visitor’s entry page, request, employee availability, expertise, and the institution’s configured service model.

Can Lynq AI support live chat?
Yes. Lynq AI can answer routine questions through structured workflows or generative responses grounded in approved institutional resources, then transition the conversation to an employee with context.
Can a live chat conversation continue through another channel?
Yes. Employees can continue through authenticated messaging, secure file exchange, video banking, or co-browsing when additional support is helpful.