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Wanted new members to complete the actions that lead to activation.
Personalized journeys across digital banking, email, and SMS.
After a major merger, wanted to unify onboarding across 250,000 member relationships.
Journeys guiding members to primary FI status across the combined organization.
Wanted to improve activation after account opening — direct deposit, digital engagement, and retention.
Guided journeys inside digital banking encouraging funding, direct deposit, debit usage, and e-statements.
Wanted to increase activation and guide new account holders into active digital banking use.
Replaced traditional onboarding comms with journeys driving funding and digital adoption.
Wanted to grow deposits with a more intentional onboarding experience for new customers.
Journeys that encourage funding, direct deposit, digital adoption, and product discovery from day one.
Customers were opening accounts but never making them operational — paychecks and payments stayed at the old institution.
Deployed inside Jack Henry's Banno to guide activation, direct deposit switching, and subscription transfers.
Kohler Credit Union turns new accounts into active, engaged members.
Challenge
Kohler Credit Union was opening new accounts, but many members weren't taking the actions needed to become active users. Low adoption of digital banking, direct deposit, and debit cards limited engagement and long-term relationship value.
Solution
Swaystack implemented personalized in-app onboarding journeys that guided members through key activation steps such as digital banking enrollment, direct deposit setup, debit card activation, and e-statement enrollment, helping to drive engagement from day one.
Read the full storyProducts used
Kohler Credit Union is a Wisconsin-based credit union focused on growing deeper member relationships through digital experiences. With Swaystack, the credit union increased online banking adoption, boosted first-30-day account funding, grew direct deposit enrollment, and drove higher debit card usage.







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