Win the Business Operating Account

Onsetto is a Business Switching & Relationship Activation Platform that helps financial institutions capture the core operating account and establish primacy by moving payroll, AR/AP, and operating flows into the new bank at onboarding.

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See How Switching Works
Funding Recommendations

Funding Recommendations

Confidently transfer funds to activate the new account

Switch Progress Tracking

Switch Progress Tracking

See migration status at a glance

Payroll Migrated with Ease

Payroll Migrated with Ease

Payroll moved to the new operating account

AR & AP Payment Insights

AR & AP Payment Insights

Track receivables, payables, and rerouted funds in real time

AI Switch Assistant

AI Switch Assistant

Guided support for every step of the switch

Account opening is easy.
Making the account primary is not.

Financial institutions win new business accounts every day yet too many never become the customer’s core operating account.

Balances arrive slowly or never
Treasury services are delayed
Bankers chase activation manually
Too many relationships lack primacy
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Switching the core operating account is the moment of truth.

Businesses don’t fail to switch because they don’t want to, they fail because moving payroll, receivables, payables, and payment systems is complex and time-consuming.

The moment a business opens a new account is the only time motivation is high. Miss that window, and the relationship stays secondary.

Account opening creates access
Switching the core operating account creates primacy.

Meet Onsetto.

Onsetto automates the switching of a business’s core operating account, moving payroll, AR/AP, payments, and recurring flows into newly opened accounts so banks achieve faster funding and establish primacy from day one.

Others help you open accounts.
Onsetto helps you capture the core operating account.
Onsetto Icon

Others help you open accounts.
Onsetto helps you capture the core operating account.

See how switching works

Real Stories from Real Clients

Jon Ruth

SVP Operations, Victory Bank

“Onsetto’s approach to identifying core operating components early in the relationship and their willingness to partner with us in these early stages of enhancing their product are the key reasons we chose to move forward. We believe this will help us establish stronger primary relationships sooner.”

Matt Bleeker

SVP, Treasury Management Product & Strategy, Tradition Capital Bank

"Transitioning your bank accounts to a new banking partner can be a manual and fragmented process. We sought out Onsetto, as a tool to assist our team in providing the most seamless and guided approach to transitioning accounts. We are excited for this partnership.”

Christian Ruppe

Chief Innovation Officer, Colony Bank

“One of our biggest challenges is the lag between account opening and meaningful funding. Onsetto’s emphasis on accelerating funding through guided switching and recommendations was compelling to us, and we’re looking forward to seeing how it shortens time to value for our clients.”

Susan Harford

Regional Retail Manager, SVP, Tioga State Bank

“We chose Onsetto to modernize a long-standing process that has remained largely unchanged. The automation and real-time visibility remove traditional switching friction and position us to win primary business relationships.”

Used by forward-thinking financial institutions

AUTOMATED SWITCHING

Switch the core operating account—automatically.

Onsetto Automated Switching moves a business’s core operating account quickly and accurately, eliminating spreadsheets, manual follow-ups, and stalled onboarding. Businesses complete switching in days instead of months, while bankers gain full visibility into progress, blockers, and funding readiness to secure primacy earlier.

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PROSPECTING INTELLIGENCE

Strengthen the top of the funnel with statement-based insight.

Prospecting Intelligence supports the top of the business-banking funnel by analyzing a recent business statement. Businesses upload a statement and Onsetto surfaces insights on cash flow patterns, fee exposure, liquidity indicators, and treasury signals helping bankers qualify faster, prioritize the right prospects, and focus time on opportunities with the greatest primacy potential.

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TREASURY INSIGHT

Identify treasury opportunities that reinforce primacy.

Treasury Insight analyzes a business’s recent statement to identify where they could be better served, highlighting treasury gaps, fee leakage, payment behavior, and cash-management opportunities. Bankers gain a clear, actionable view of which services can deepen engagement and strengthen long-term primacy.

Explore treasury insights

From account opening to core operating account primacy, automatically.

01

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Business opens a new account

02

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Onsetto identifies components of the core operating account

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Guided switching moves payroll, AR/AP, and operating flows

04

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Accounts fund faster

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The bank establishes primacy early

Faster funding. Earlier primacy. Less manual effort.

Easy to launch. Built for financial institutions.

Onsetto removes the friction that slows fintech adoption.

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Launch without core or digital banking integration

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Fully white-labeled to your brand

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Deploy standalone or integrate over time

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SOC 2 Certified

Designed to deliver measurable results.

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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

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