About Onsetto

Building a better model for commercial banking.

Onsetto was founded around a simple idea: primary commercial banking relationships don't happen by accident. We're building the operating model and technology to help financial institutions activate, expand, and retain more valuable relationships.

Our Story Meet our Team

Our Point of View

The strongest relationships are built intentionally.

IdentifyActivateExpandRetain

There was a gap between winning the relationship and becoming the primary bank.

Commercial banks have spent decades optimizing the first moment: the account opening. But the real value is created in what comes next - when a business actually runs its operating activity through your institution.

We believe the strongest commercial banking relationships are built through four intentional motions: Identify the right opportunities, Activate them into primary operating relationships, Expand the value you deliver over time, and Retain the relationship through signals and proactive engagement.

That belief became the Operating Relationship Framework. And Onsetto is the company built to put it into practice.

The team behind the Commercial Banking Operating Platform

Commercial banking has long measured success by opening new accounts. But the strongest commercial relationships are built long after the account is opened.

At Onsetto, we're redefining how financial institutions grow commercial banking relationships. Our Commercial Banking Operating Platform helps banks identify opportunities, activate new relationships, expand customer value, and retain operating relationships through one connected framework.

Our team previously founded ClickSWITCH, the platform that transformed consumer account switching and now powers hundreds of financial institutions following its acquisition by Q2. That experience taught us a simple truth: removing friction creates growth. Today, we're applying that same philosophy to the far more complex world of commercial banking.

We believe the future belongs to financial institutions that move beyond transactions and intentionally build operating relationships. That's why we created Onsetto: to provide the technology, intelligence, and framework that help banks achieve business banking primacy and build stronger commercial relationships over time.

Cale Johnston

Founder & CEO

Cale Johnston founded ClickSWITCH in 2014, the first platform to automate direct deposit and payment switching. It grew to serve more than 600 financial institutions, including many of the nation's largest banks, before its acquisition by Q2 in 2021. At Onsetto, he is applying that experience to commercial banking: helping banks and credit unions turn new business accounts into primary operating relationships, with activation as a repeatable process across the institution rather than an individual banker's effort.

Rob Zwink

Chief Technology Officer

Rob Zwink has spent more than 20 years building financial systems. He began at JPMorgan Chase, where he advanced to Executive Director leading modernization and enterprise architecture across global business units, and later held technology leadership roles at BillGO and at ClickSWITCH through its acquisition by Q2. As co-founder and CTO of SafeChain Financial, he built the real estate industry's first wire-fraud prevention platform. At Onsetto, he is responsible for product architecture, security, and platform reliability.

Jason Johnston

Chief Operating Officer & General Counsel

Jason Johnston brings more than 15 years of legal and operational experience to Onsetto. Before joining, he built his career as a litigation attorney managing complex, high-stakes cases. As Chief Operating Officer and General Counsel, he oversees day-to-day operations, compliance strategy, and risk management: the operational and regulatory rigor a vendor to financial institutions has to have.

Jordan Lemanski

Chief Product Officer

Jordan Lemanski began his product career at ClickSWITCH, working on the switching technology that led to the company's acquisition by Q2, then continued building digital banking and onboarding products at Q2. At Vectra AI, he led security product development for cloud and enterprise environments. At Onsetto, he is responsible for product strategy and user experience: translating complex banking workflows into products bankers actually use.

Adam Pearl

Chief Sales Officer

Adam Pearl led sales at ClickSWITCH, one of the first platforms to automate direct deposit and payment switching, through broad bank adoption and the company's acquisition by Q2. At Q2, he led Strategic Banking-as-a-Service sales, working with banks and fintechs on embedded finance, and he previously served as Senior Vice President of Channel Partnerships and Growth at Urban FT. At Onsetto, he leads go-to-market strategy and partnerships, helping institutions win the operating account from day one.

Jessica Harper

Head of Customer Success

Jessica Harper spent more than 20 years in community banking before joining Onsetto, with leadership roles across Treasury Management, Business Banking, Retail Banking, Sales & Marketing, CRA, and Operations. She is a graduate of the Graduate School of Banking at Colorado. At Onsetto, she leads Customer Success, working alongside bankers to close the gap between strategy and daily execution. She spent two decades doing that work from the other side of the table.

James Rankin

Head of Delivery

James Rankin has spent more than a decade leading fintech implementations across banks and credit unions in North America, including extensive work implementing and expanding the nCino platform. At Onsetto, he leads implementation and client delivery: getting the platform live, adopted, and producing results inside each institution's real workflows.

A decade inside the problem.

Onsetto isn't our first attempt at reshaping how banks grow. It's the one built from everything the last decade taught us.

2014
ClickSWITCH founded
Built to solve the account-switching problem that had blocked deposit growth for decades.
2014–2021
600+ financial institutions served
Deployed across community banks, regional banks, and credit unions nationwide.
2021
Acquired by Q2
ClickSWITCH became part of Q2's digital banking platform, scaling to millions of end customers.
2022–2024
Lessons learned in commercial banking
Years spent inside commercial banking exposed the real gap: a relationship, not a workflow.
2025
Onsetto founded
A new company built around one idea: commercial banking relationships should be intentionally built.
Today
Building the platform commercial banking has been missing
Turning more than a decade of experience in account switching and commercial banking into a new operating platform for building and growing relationships.

Investors who understand banking.

Join us.

We’re building the future of commercial banking. Come build it with us.

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