Kohler Credit Union drives faster account activation and $1.4M in direct deposits with Swaystack
Kohler Credit Union identified a growing gap between account opening and true member engagement. While new accounts were being opened, many members weren’t taking the actions that signal a primary relationship. Leaving balances, activity, and long-term value unrealized.
Products used
Results at a glance
22%
lift in online banking adoption
$1.4M
in annualized deposits from 51 verified direct deposit enrollments
24%
increase in members funding $200+ within the first 30 days
2,200
e-statement enrollments, with 80% occurring inside Q2 digital banking
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The challenge
Account opening wasn’t the issue; activation was.
Despite strong digital banking capabilities, many new members failed to:
Enroll in digital banking
Download and use the mobile application
Set up direct deposit
Activate and use their debit card
Go paperless
Without clear guidance, members stalled early in the journey, limiting engagement and deposit growth.
The solution
Gamified onboarding embedded directly inside digital banking.
Through Q2 Innovation Studio, Kohler Credit Union partnered with Swaystack to replace static onboarding with guided, behavior-driven journeys embedded directly within the digital banking experience.
Instead of generic communications, members received timely prompts and incentives to complete key actions at the right moment, including:
Mobile application download
Debit card activation
Direct deposit setup
Paperless enrollment
