Business Onboard

Turn new business accounts into operating relationships

Business Onboard helps banks and credit unions guide new businesses through the actions that move deposits, payroll, treasury services, and daily operations — turning new accounts into primary business relationships.

Business owner completing an account setup checklist that links Stripe, Shopify, and Airbnb income
Intent vs completion

5.4 million U.S. small businesses try to switch their primary institution every year

Source: U.S. business banking industry data

80%

abandon the switch

40%

accounts remain unfunded

The solution

Keep new business relationships from losing momentum

Replace disconnected onboarding checklists and manual follow-up with personalized journeys that help businesses complete the steps that matter most. Embedded across digital banking, email, and SMS, Business Onboard guides new businesses from account opening to becoming their primary operating financial institution.

01

Connect your account

Guide your new commercial accounts to move funding, income, bills, payroll, accounts receivables and accounts payables in under 15 minutes.

swaystack
Step 2 of 9
Set up your new account in minutes
Connect your existing account to switch your existing payments and services.
Switch my bank
Continue
Move your business to your new bank
Move your income, bills, payroll, customers and vendors, in under 15 minutes.
Three steps to complete your switch:
Connect and fund
Link your old account, we'll review recent activity, build your switch list and work out how much to move so nothing bounces.
Move where you get paid
Update your income platforms and customers to your new bank account, so payments land in the right place.
Move what you pay
Update bills, subscriptions, payroll, and vendors so future payments come from your new bank account.
Start the switch
02

Recommended funding amount

Automatically review the old account's balance, payroll, and recurring payments, then tell the business exactly how much to fund day 1.

swaystack
Back
Calculating required funding
Finding account balance
Calculating payroll
Calculating spend
Calculating the funding amount
3 of 4 calculations complete
Back
Recommended deposit
Deposit this amount into your new bank to cover payroll, bills, and subscriptions while we switch them over. Keep the rest in your old account for anything that may still process there.
Deposit amount
$167,240.00
Change deposit amount
Old account balance$244,000.00
Payroll (2 months)-$48,760.00
Payments (2 months)-$28,000.00
Recommended deposit$167,240.00
Fund your new account
FROM ACTIVATION TO PRIMACY

The first 7 days decide the relationship

95%

higher lifetime value when a business completes its switch within the first week of opening

10×

the deposits a primary commercial customer keeps, versus a non-primary one

swaystack
Back
Move your income platforms
Auto update where available. No lightning bolt? Use the guided steps. No logo at all? Request instructions and we'll get them to you within 24 hours.
To move 4 Add More Income Sources
Source
LI Lyttle inc ···
Stripe ⚡ ···
V Venmo ···
Square ⚡ ···
Completed 0
Switch Stripe
Choose how you would like to update your Stripe income source.
⚡ Auto Switch (Recommended) Guided Update
03

Move income

Find every platform the business gets paid on and move them over. AutoSwitch updates the account details directly where the platform supports it.

04

Move payroll

Move the payroll provider to the new account before the next pay run. 

05

Move recurring payments

Move the services the business pays for, one by one. Guided steps where a sign-in is needed, written instructions within 24 hours for the rest.

06

Notify AR/AP of new account info

Customers and vendors receive the new remittance details automatically, so receivables land in the new account and payables draw from it.

For your team

Banker dashboard

See every commercial account's onboarding status at a glance. Know exactly when to cross-sell and deepen the relationship — so your team spends its time on relationships, not chasing down income and expense transfers across platforms.

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Customers
Triage your book
Provision customer
Your queue today
3Needs follow-up
Idle 7+ days
Acme Coffee Roasters LLC
1Recently funded
Switch completed
Apex Veterinary Clinic
Your funnel
30 days90 daysAll time
Invited
6
Funded
33%
Income moved
50%
Avg time
16d
CustomerStatusProgress
Meridian Architects PLLC
Jul 27 · $60,000
In progress
78%
Delta Wellness Group
Aug 23 · $15,000
Started
23%
Harborview Dental Associates
Aug 20 · $30,000
Invited
0%
Why Swaystack

Traditional business onboarding stops before the relationship starts

Manual business onboarding
Find every step manually
Navigate digital banking settings alone
Manually update vendors and payroll
No prompt to adopt treasury services
Fragmented, uncoordinated tasks
Business gets stuck
Business Onboard
Guided, automated onboarding
Funding recommendations
Seamless switch for payroll & income
Timely treasury adoption nudges
One unified journey to operational status
Business gets up and running fast

Become the operating financial institution from day one.

Every new business account represents an opportunity to earn deposits, treasury relationships, and long-term loyalty. Business Onboard helps you guide businesses through the moments that matter most — turning new accounts into fully operational relationships.