SwitchAssist
The operating system for commercial banking activation - turning new and existing accounts into primary operating relationships.
Orchestrate funding, payroll, receivables, and payables through one structured activation experience - whether the account opened yesterday or has been sitting underactivated for years.
Supports the Activate stage of the Operating Relationship Framework
Switches
Track business customers switching to the bank
Primacy is built by activating operating activity.
Opening an account is only the beginning. Relationship primacy is established when a business moves its day-to-day operating activity onto the bank.
- Funding
Establish the account as the financial center of the business by coordinating initial funding and ongoing operating cash flow. SwitchAssist uses operating activity to recommend appropriate funding levels, guide the timing of fund movement, and align activation with real business cash flow.
- Payroll
Identify payroll relationships and guide the transition so employees continue to be paid without disruption.
- Receivables
Redirect incoming revenue, deposits, invoices, merchant activity, and collections to the new banking relationship.
- Payables
Transition vendors, recurring payments, wires, subscriptions, and other outgoing activity while maintaining business continuity.
A bounded moment where operating activity is still fluid.
Every newly acquired commercial relationship enters a short, bounded window in which the business determines where its day-to-day financial activity will actually reside.
This is where commercial relationships become operating relationships. What happens inside the Activation Window can determine which institution becomes primary, often for years.
- Account Opened
- Operating Activity Moved
- Operating Primacy
The opportunity may already be in your portfolio.
Not every commercial account becomes an operating relationship. Some businesses open the account but never fully move funding, payroll, receivables, payables, or other day-to-day operating activity.
SwitchAssist gives banks a scalable way to go back and capture that opportunity.
Bring existing commercial relationships into SwitchAssist in bulk, re-engage businesses with incomplete operating activity, and give each customer a simple, guided path to complete the transition.
Instead of allowing underactivated accounts to remain underutilized, banks can systematically turn more of the relationships they’ve already won into primary operating relationships.
- Existing Portfolio
Bring existing commercial relationships into SwitchAssist in bulk.
- Re-engage & Activate
Give businesses a guided path to move the operating activity that never transitioned.
- Grow the Relationship
Capture more operating deposits, increase treasury adoption, and move more relationships toward Operating Primacy.
Activate at portfolio scale.
Bring existing businesses into SwitchAssist in bulk, identify relationships with incomplete operating activity, and launch structured activation journeys without relying on manual banker-by-banker outreach.
A repeatable methodology for turning acquisition into primacy.
Structured Activation is the strategic discipline behind SwitchAssist. Structured Activation is the methodology. SwitchAssist is the technology that puts it into action. Operating Primacy is the outcome.
- 01Funding
Coordinate initial funding and ongoing operating cash flow - how much should move, and when.
- 02Payroll
Guide the payroll transition so employees continue to be paid without disruption.
- 03Receivables
Route incoming revenue, invoices, merchant activity, and collections to the new bank by design.
- 04Payables
Move vendors, recurring payments, wires, and subscriptions onto the new operating rails.
One coordinated activation experience.
SwitchAssist turns Structured Activation into execution - giving the business a guided path for moving operating activity while giving the banker visibility into every step. The same capabilities support newly acquired relationships and existing accounts that never fully activated.
- 01Guided Customer Transition
- Give businesses - new or existing - a clear, step-by-step path for moving funding, payroll, receivables, payables, and recurring operating activity.
- 02Activation Orchestration
- Coordinate the tasks, timing, dependencies, and follow-up required to move operating activity without disruption, whether for one relationship or a bulk portfolio cohort.
- 03Banker Visibility
- See what has moved, what remains outstanding, which relationships are underactivated, and which require intervention.
- 04Activation Signals
- Surface funding readiness, operating adoption, outstanding activity, and other signals that indicate progress toward Operating Primacy across the portfolio.
Visibility that drives action.
SwitchAssist gives relationship managers a single view of activation across the portfolio: what has moved, what remains outstanding, which relationships are underactivated, where operating activity may still reside elsewhere, and where banker intervention can change the trajectory.
Instead of simply reporting activity, SwitchAssist helps bankers understand what needs to happen next to move each relationship toward Operating Primacy.
Consistency across the team. Productivity across the portfolio. Confidence in every customer interaction.
One activation methodology. Five moments that matter.
SwitchAssist applies the same Structured Activation methodology wherever operating activity needs to move.
Turn newly acquired accounts into operating relationships from day one.
Activate funding, payroll, receivables, and payables inside the Activation Window, before operating activity settles elsewhere.
Turn underactivated accounts into operating relationships at scale.
Bring existing businesses into SwitchAssist in bulk and give customers a guided path to move the operating activity that never transitioned.
- Banker Transitions
Preserve continuity when relationships change hands.
- Mergers & Acquisitions
Consolidate acquired portfolios into consistent operating relationships.
- Fraud Recovery
Rebuild operating rails quickly after disruption.
Faster deposit growth. Higher treasury adoption. Consistent activation across the portfolio.
Systematically re-engage underactivated commercial accounts and capture operating activity already within reach.
- ›Accelerated commercial deposit growth
- ›Increased treasury adoption
- ›Greater banker capacity - replacing spreadsheets, manual follow-up, and ad hoc coordination with a repeatable activation methodology
- ›Stronger customer experience through the Activation Window
- ›A measurable path to Operating Primacy
See what Structured Activation looks like for your institution.
A strategy session is a working meeting: an hour spent understanding your activation window, your acquisition pipeline, and where operating activity is quietly leaking to another bank.