The Entrepreneurs’ Credit Union
Water is a proposed, first-of-its-kind credit union designed to be operated largely by AI agents — with a personal AI concierge that helps you grow, save and get a loan while you’re busy building.
You’re not a customer. You’re a member — and an owner.
Entrepreneurs build the economy. Who’s building for them?
Startups and small businesses create jobs and drive innovation, yet they’re often under-served by institutions built for someone else. It’s time for a credit union made for founders, their teams, and the businesses they grow.
Founders were left exposed
The 2023 bank failures showed how fragile startup banking can be. Entrepreneurs deserve an institution built around them — not one that sees them as risk.
Founders have no time
Between building, hiring and selling, money management slips. Traditional banking still asks you to wait in line, on hold, and in inboxes.
AI changes what’s possible
For the first time, a credit union can be operated largely by AI agents — lowering costs and returning that value to members.
Banking that works while you’re busy
Every member would get a personal AI concierge agent — always on, always informed, always in your corner. You focus on building; your concierge handles the money work.
Grow
Proactive guidance to grow your money and your business, tailored to your stage.
Save
Smart nudges and automated savings that work in the background.
Get a Loan
Help preparing and applying for loans — without the paperwork marathon.
Plus partner services, in one place
Your concierge would coordinate with trusted partners for the work every founder dreads.
Filing Taxes
Connected tax-filing partners, prepared with your concierge.
Accounting Books
Bookkeeping partners that keep your books clean and current.
HSA Accounts
Health Savings Account partners for founders and teams.
At Water, you own it
Become a founding member
1. Sign the Letter of Intent
A non-binding LOI shows regulators real demand from startups and small businesses — a key step toward a charter.
2. Join the Waitlist
Free and non-binding. Meet us at Money20/20? We can scan your LinkedIn QR code to sign you up in seconds.
Let’s Water What Matters
See you at Money20/20 USA · Las Vegas
Water Credit Union is a proposed credit union in formation. It is not yet chartered or NCUA insured, and no accounts, deposits, loans or financial products are offered at this time. AI concierge and partner services described are planned capabilities. The LOI and waitlist express non-binding interest only.