Clients

Real challenges. Real results.

Every financial institution has different goals, but the challenge is often the same: turning new relationships into active, profitable ones. See how banks and credit unions are using Swaystack to drive activation, engagement, and long-term growth.

Oxford BankCommunication Federal Credit UnionKohler Credit UnionHeritage Valley Federal Credit UnionOne Nevada Credit UnionCitizens State BankOn Tap Credit UnionMagnolia Federal Credit UnionFFCU Family Financial Credit UnionCascade Federal Credit UnionPeak Credit UnionUK Credit UnionThink Bank

We work with the most innovative, fastest growing financial institutions.

Hover any institution to see their story.

Cascade Federal Credit Union Retail Onboard
Cascade Federal Credit Union
Challenge

Wanted new members to complete the actions that lead to activation.

Solution

Personalized journeys across digital banking, email, and SMS.

Key results
Personalized journeys Omnichannel engagement Improved activation strategy Learn more
Peak Credit Union Engage
Peak Credit Union
Challenge

After a major merger, wanted to unify onboarding across 250,000 member relationships.

Solution

Journeys guiding members to primary FI status across the combined organization.

Key results
250,000 members supported Merger-ready onboarding strategy Stronger member activation Learn more
UK Credit Union Engage
UK Credit Union
Challenge

Wanted to improve activation after account opening — direct deposit, digital engagement, and retention.

Solution

Guided journeys inside digital banking encouraging funding, direct deposit, debit usage, and e-statements.

Key results
Direct deposit adoption Digital banking engagement Product discovery & cross-sell Learn more
Think Bank Retail Onboard
Think Bank
Challenge

Wanted to increase activation and guide new account holders into active digital banking use.

Solution

Replaced traditional onboarding comms with journeys driving funding and digital adoption.

Key results
Faster account activation Greater digital adoption Stronger member engagement Learn more
Citizens State Bank Retail Onboard
Citizens State Bank
Challenge

Wanted to grow deposits with a more intentional onboarding experience for new customers.

Solution

Journeys that encourage funding, direct deposit, digital adoption, and product discovery from day one.

Key results
Deposit growth strategy Improved engagement Personalized onboarding Learn more
Ohio Valley Bank Retail Onboard
Ohio Valley Bank
Challenge

Customers were opening accounts but never making them operational — paychecks and payments stayed at the old institution.

Solution

Deployed inside Jack Henry's Banno to guide activation, direct deposit switching, and subscription transfers.

Key results
Gamified onboarding in Banno Direct deposit switching Personalized recommendations Learn more
What clients say
On Tap Credit Union

“We knew we were leaving value on the table. Accounts were being opened, but cards weren't becoming top of wallet, and members weren't always taking the steps needed to switch their everyday spending.”

Janelle Herrera
VP of Marketing and Business Development, On Tap Credit Union
Communication Federal Credit Union

“Every digital interaction is a chance to make banking more personal and intuitive. It's about smarter personalization that drives adoption, strengthens relationships, and delivers measurable growth.”

Laszlo Tallai
SVP of Growth & Innovation, Communication Federal Credit Union
Citizens State Bank

“With Swaystack, we can guide customers in those early moments, turning uncertainty into progress. Each action builds momentum toward their goals today and a stronger foundation for the years ahead.”

Justin Dunmyer
Chief Digital Officer, Citizens State Bank (Indiana)
Kohler Credit Union

“People need direction more than additional features. Swaystack's personalized, omnichannel approach bridges the gap. If a member logs in for the first time and thinks, 'They actually thought this through,' that's the win.”

Matthew Fehrmann
CIO, Kohler Credit Union
FFCU

“We need members to activate their checking accounts and stick around, not just open and disappear. Swaystack nudges, guides, and pushes members to take the steps that actually matter. That's what we've been missing.”

Deb Dietz
CEO, FFCU
Heritage Valley Federal Credit Union

“With Swaystack, we can now guide members through those first critical steps, removing uncertainty and creating momentum as they move toward their goals. That's how we fulfill our mission: helping every member strengthen their financial footing and, in turn, strengthening the community we all share.”

Jeremey Sterner
SVP of Strategy and Technology, Heritage Valley Federal Credit Union
Magnolia Federal Credit Union

“With Swaystack, we can present members with actionable items like adding direct deposit, opening a checking account, or applying for loans, which will increase engagement and member loyalty.”

Michael Waylett
President and CEO, Magnolia Federal Credit Union
One Nevada Credit Union

“Opening an account is a transaction. Becoming part of a credit union is a relationship... When members know exactly what to do next, they don't just stay; they engage.”

Steve O’Donnell
COO, One Nevada Credit Union
Measurable results

We help our customers achieve measurable results.

50%

More initial funding

78%

Increase in debit swipes

71%

Increase in product adoption

25%

Lift in digital banking adoption

Case study

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 story

Products used

Retail Onboard

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.

Two people in conversation
Kohler Credit Union

“People need direction more than additional features. Swaystack's personalized, omnichannel approach bridges the gap — if a member logs in for the first time and thinks, ‘they actually thought this through,’ that's the win.”

Matthew Fehrmann
Chief Information Officer, Kohler Credit Union

See what Swaystack could do for your institution.

Join the banks and credit unions turning new accounts into active, primary relationships.