About Onsetto
Built to solve the hardest problem in business banking: switching the core operating account.
Moving a business’s core operating account is one of the most complex—and most overlooked—challenges in commercial banking. Payroll, receivables, payables, payments, and multiple stakeholders all stand in the way of activation and primacy.
At Onsetto, we exist to solve that problem.
Our team previously built ClickSWITCH, the platform that transformed consumer account switching and now powers hundreds of financial institutions following its acquisition by Q2. With Onsetto, we bring that expertise to the far more complex world of business banking—where winning the switch means winning the relationship.
We’ve built Onsetto to help financial institutions win the moment that defines long-term growth: the switch of the core operating account.
Leadership Team
CEO
Cale Johnston
Founder & Chief Executive Officer
CTO
Rob Zwink
Chief Technology Officer
COO / General Counsel
Jason Johnston
Chief Operating Officer & General Counsel
CPO
Jordan Lemanski
Chief Product Officer
EVP Engineering
Nilesh Saple
Executive Vice President, Engineering
Our Mission
At Onsetto, our mission is to help financial institutions build stronger, more meaningful business relationships by making banking proactive, easy, and anticipatory.
We believe the future of banking is not reactive or transactional. It is relationship driven. Onsetto helps banks move beyond account opening to fully activate operating relationships that drive long term value for both financial institutions and the businesses they serve.
Our Values
We Build for Relationships
Banking is built on trust. We believe strong, enduring relationships between banks and businesses and with partners are the foundation of sustainable growth. Everything we build is designed to deepen engagement, not simply enable transactions.
Proactive Beats Reactive
The most valuable banking experiences anticipate needs before they arise. Onsetto empowers FIs with early insight and guided action so they can lead meaningful conversations rather than chasing activity after the fact.
Simplicity Drives Adoption
Complexity slows momentum. We believe powerful technology should feel intuitive and easy to use for bankers and business owners alike without sacrificing depth, security, or capability.
Activation Is Where Value Is Created
Opening an account is only the first step. Real value is created when operating activity moves, funding accelerates, and relationships become primary. We focus relentlessly on what happens after onboarding.
Partners, Not Vendors
We work alongside our bank partners as an extension of their team. Success for Onsetto means success for the institutions we serve and for the businesses that rely on them.
Built for the Future of Banking
We design with what is next in mind. Intelligent systems, anticipatory workflows, and scalable platforms that help banks compete, differentiate, and win in a rapidly evolving financial landscape.
Designed to deliver measurable results.
Faster time to core operating account funding
Higher percentage of accounts achieving primacy
Increased treasury adoption
Fewer banker hours per onboarding
Not switching software. Growth infrastructure.
One fully activated operating relationship can generate enough interest income to pay for Onsetto many times over.
Deposits Moved × % NIM = ROI