ENRICH Branded Messaging Guide for Banks and Credit Unions

A guide on on ENRICH use cases, tips, and real message examples.

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Banks and credit unions send high-stakes texts like fraud alerts, payment notices, and expiring loan offers, all asking the recipient to trust an unknown sender and act fast. Standard SMS gives members nothing to go on: a text from an unfamiliar number looks identical whether it's from a fraud team or a scammer. Members know this, which is why credit unions now warn that even texts from a real number can be spoofed and shouldn't be trusted on caller ID alone. This is the exact trust gap First Orion built ENRICH® Branded Messaging to close.

In this guide, you'll learn how: 

• ENRICH runs on RCS, not SMS, delivering verified sender name and logo, rich media, and two-way replies directly into a member's native messaging app on Android and iOS 18.1 and above.

• Fraud alerts, payment reminders, account updates, and two-way servicing conversations are the primary use cases, with member replies routing back through First Orion's webhook integration.

• Best practice copy leads with verification rather than urgency, limits each message to one clear action, and matches tone to the stakes of the message (calm for fraud alerts, informative for payment reminders).

• ENRICH and INFORM Branded Calling work together to create a unified branded identity across both voice and text channels.

• Onboarding runs through First Orion's API with minimal technical lift, giving institutions branded messaging across all three major U.S. carriers through a single provider.