Activate the core operating account. Establish primacy faster.
SwitchAssist is a guided transition and structured activation platform designed to move a business’s core operating account quickly, confidently, and without disruption.
Most banks can open accounts.
Fewer can activate them into fully funded operating relationships.
SwitchAssist closes that gap by replacing manual follow-ups and customer guesswork with a clear, step-by-step transition experience that moves payroll, receivables, payables, and daily operating flows into newly opened accounts.
Move payroll, AR/AP, and operating flows in days, not months.
Activate what matters: the 4 pillars of the operating account
SwitchAssist is purpose-built to move the core components that define a business’s primary banking relationship. Instead of treating switching as a general process, SwitchAssist focuses on the four critical pillars that drive true account activation:
Funding
Establish the account as the financial center of the business by guiding initial deposits and ongoing cash flow into the new account. SwitchAssist aligns funding with real operating activity to accelerate the path to primacy.
Payroll
Ensure employees are paid without disruption by identifying payroll providers and guiding the transition step by step. This removes one of the biggest perceived risks in switching and builds confidence early.
Accounts Receivable (AR)
Capture incoming revenue by transitioning deposits, receivables, and payment inflows. This ensures the new account becomes the destination for business income, not just a secondary account.
Accounts Payable (AP)
Maintain vendor and operational continuity by updating outgoing payments, subscriptions, and payables. SwitchAssist ensures nothing is missed and the business continues running smoothly throughout the transition.
Why this matters
When these four pillars move, the account becomes primary.
SwitchAssist gives banks a structured way to activate each pillar, ensuring faster funding, stronger adoption, and a complete operating relationship, not just a newly opened account.
Accelerate core operating account funding.
One of the biggest gaps in business banking is getting the account funded and used.
SwitchAssist analyzes operating activity to:
- Recommend initial deposit levels
- Guide timing of fund movement
- Align activation with real business cash flow
This creates a more predictable path from:
New account → Funded account → Primary operating account
Visibility from onboarding to primacy.
The SwitchAssist banker dashboard gives bankers a real-time, centralized view of every business in transition. Instead of relying on manual tracking or scattered updates, bankers can maintain a continuous pulse on each relationship, quickly understanding where things stand and what needs attention to keep the switch moving forward.
SwitchAssist provides bankers with a centralized view of:
- Transition progress
- Outstanding tasks
- Funding readiness
- Signals tied to operating account adoption
This visibility allows teams to:
- Intervene at the right time
- Prioritize high-value relationships
- Move accounts to primacy faster
Improve staff efficiency and operating leverage
Activating a business account is traditionally one of the most manual and fragmented processes in banking. SwitchAssist transforms that process by reducing the manual effort required to activate new accounts. By replacing follow-ups, spreadsheets, and ad hoc coordination with a structured switching workflow, SwitchAssist eliminates back-and-forth, standardizes execution, and gives bankers a clear path to move relationships forward.
As a result, bankers spend less time managing transitions and more time building relationships. This directly improves the staff efficiency ratio. By reducing operational drag tied to account activation, teams can activate accounts faster, support more relationships per banker, and increase overall productivity without adding headcount.
This enables:
- Faster activation timelines
- More accounts per banker
- Reduced operational burden
Additional Use Cases
Simplify business account transitions during mergers
Mergers and acquisitions create a critical moment where customer relationships are at risk. Transitioning business accounts often involves complex coordination across payroll, payments, receivables, and vendor systems.
SwitchAssist provides a structured approach to:
- Guide customers through account transitions step by step
- Ensure continuity across payroll, AR, and AP
- Reduce operational risk and customer disruption
- Maintain visibility across the entire transition lifecycle
Enable seamless banker transitions
SwitchAssist makes it easier for business bankers to transition their book of business when changing institutions. Instead of relying on clients to reconfigure payroll, payments, and receivables on their own, SwitchAssist provides a guided, transparent process that minimizes disruption.
Financial institutions use this to:
- Attract experienced business bankers
- Accelerate portfolio onboarding
- Reduce resistance tied to moving operating relationships
Internal analysis shows that nearly 40% of newly opened business accounts do not become fully funded operating relationships
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
