Conversations


Secure, personal support, right at your fingertips.

It’s safe, secure, and you’ll always chat with a real person, not a bot.

We’re introducing a better way to get the personal support you’ve come to expect from Luminate Bank, no matter where you are. Conversations is built right into your account, so every message is completely secure, encrypted, and authenticated.


Have a question about your account? Need help with a transaction? Just start a chat with our support team right from your phone, computer, or tablet. It’s simple, fast, and always at your fingertips when you need it.


Best of all, Conversations is already part of your account. Just log in and give it a try today!

Ready to start a Conversation?

Getting help has never been easier. Log in to your account and connect with a real Luminate Bank team member in seconds. It’s fast, secure, and built right into your online banking experience.

Hands holding house key.
By Luminate Marketing Team October 3, 2025
We’re kicking off our Homebuyer FAQ Series, where we answer real questions from real consumers. This first post is all about the basics every homebuyer should know.
Person writing on box labeled
By Luminate Marketing Team September 26, 2025
More homeowners are buying their next house outright, without taking on a new mortgage. And if you’ve owned your home for a while, you may be able to do the same. No mortgage. No monthly housing payments.
Red line graph trending downwards on a dark blue grid, suggesting a market decline.
By Luminate Marketing Team September 19, 2025
Shouldn’t cheaper borrowing from the Fed mean more affordable home loans for buyers? Unfortunately, the reality is more complex.
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