Three AI agents. One growth engine. You approve every action.
Cotribute's 3 agentic AI Growth Agents — Acquisition (AIA), Cross-Sell (AIC), and Relationship Growth (AIR) — have been in production since June 2025. They find growth in your member data and your market; your team reviews and approves before anything ships. Human-in-the-loop. No autonomous actions. No member data in public models.
What each agent does
"We're spending too much to grow"
The AI Acquisition Agent helps you do more with your acquisition budget: it identifies the right member and customer personas for your offerings, matches messaging that improves response and trust, and shows how your products compare in the market — turning insight into campaigns your team approves and launches.
"Our account holders only use one product"
As applicants move through onboarding, the AI Cross-Sell Agent identifies which of your other products fits them — checking, savings, loans, or deposit switch — and delivers a personalized offer at the highest point of engagement, deepening the relationship from day one.
"We're losing account holders we already have"
The AI Relationship Growth Agent analyzes your existing portfolio to surface the next best financial step for each member or customer — growing deposits, loan balances, and lifetime value while reducing churn through relevant, timely outreach your team approves.
AI you can trust, control & approve
Every recommendation runs through your approval process. No surprises, no autonomous actions — intelligent insights that make your team's decisions better.
10-day sandbox setup
We configure your AI Growth Agents in a secure sandbox environment — 10 business days to turn the capability on, with no integration project required to start.
Human-in-the-loop review
Every AI recommendation is presented to your team for review and approval before any action is taken. You see the reasoning, edit the output, and keep full control.
Deploy & measure
Approved recommendations go live. Track performance in real time, iterate, and share results — including with your board — with confidence in how they were produced.
No autonomous actions
Agents propose; people approve. Nothing reaches a member or the market without your sign-off.
No member data in public models
Your member and customer data is never used to train or prompt public AI models.
Sandbox before production
Recommendations are generated and reviewed in a secure sandbox, so you validate quality before anything goes live.
In production since June 2025
These are not a roadmap item — the 3 agents run today at Cotribute clients, on the same platform trusted by credit unions and community banks nationwide.
Ready for the examiner conversation
As NCUA and other regulators sharpen their supervisory focus on AI governance heading into 2026, boards need more than an AI vendor — they need a documented posture. Cotribute's agent architecture maps directly to what examiners ask about: human-in-the-loop approval on every action, no autonomous decisioning, member data kept out of public models, sandbox validation before production, and a SOC 2 Type 2 certified platform behind it all. You get AI you can explain — to your board and to your examiner.
Trust & Security → · AI Executive Seminar for your leadership team →
The growth platform behind the agents
AI Growth Agents run on the same platform that powers Cotribute's account opening and lending — so recommendations connect to real onboarding flows, not just a reporting dashboard.
“Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time.”
Agent pricing is published openly — per-agent annual fees with a bundle discount. See AI Growth Agents pricing →
Frequently asked questions
CEOAre these agents actually in production, or a beta?
In production since June 2025. The 3 agents — Acquisition (AIA), Cross-Sell (AIC), and Relationship Growth (AIR) — run at Cotribute clients today on the same platform used by credit unions and community banks nationwide.
RiskCan the agents take actions on their own?
No. There are no autonomous actions. Every recommendation — a campaign, an offer, an outreach message — is presented to your team for review and approval before anything is executed. Approval is a structural requirement of the architecture, not a setting.
ITWhere does our member data go?
Member and customer data is never sent to or used to train public AI models. Agents run within Cotribute's SOC 2 Type 2 certified platform, and recommendations are generated in a secure sandbox environment you review before deployment.
ComplianceHow does this hold up with NCUA's growing focus on AI?
The architecture is built for supervisory scrutiny: human-in-the-loop approval on every action, documented reasoning behind recommendations, sandbox validation before production, and no member data in public models. That gives your board and examiners a clear, defensible answer on how AI is governed at your institution heading into 2026.
OpsHow long does setup take?
10 business days to turn the capability on in your secure sandbox environment. No core integration project is required to start — agents work alongside your existing infrastructure.
CFOHow are the agents priced?
Each agent carries an annual fee, with a bundle discount when you deploy all three, plus a one-time implementation fee. Pricing is published openly on our pricing page — no discovery call required to see numbers.
See what the agents would recommend for you
Review open pricing, or talk through a 10-day sandbox with our team.