A Q&A with Onsetto’s Cale Johnston on Owning Core Operating Accounts in Business Banking

In the dynamic landscape of fintech, where the battle for primary banking relationships hinges on seamless transitions, few innovators have mastered the art of frictionless change like Cale Johnston. As the Founder and CEO of Onsetto—a Minneapolis-based startup founded in 2025 and already backed by a $2.2 million seed round led by EJF Ventures—Cale brings a wealth of experience from his previous venture, ClickSWITCH, which revolutionized consumer account switching before its acquisition by Q2 Holdings and adoption by hundreds of institutions.