Curated News
By: NewsRamp Editorial Staff
September 15, 2026
22nd State Bank Taps Onsetto to Simplify Business Banking Transitions
TLDR
- 22nd State Bank adopts Onsetto SwitchAssist to activate business accounts and gain an edge in commercial banking relationships.
- Onsetto's SwitchAssist guides businesses through transitioning deposits, receivables, payables, and payroll while giving bankers visibility into progress.
- The partnership reduces friction for businesses changing banks, making the transition easier and preserving personal service.
- Business banking transitions often involve redirecting recurring payments and payroll, but a new guided tool aims to simplify that complex process.
Impact - Why it Matters
This partnership signals a shift in how banks approach business customer onboarding. Traditionally, banks focus on account opening, but the real value lies in becoming the primary operating bank. By removing the friction of switching financial activity, 22nd State Banking Company and Onsetto are helping businesses more fully integrate with their new bank, which can lead to stronger, more stable relationships. For businesses, this means less downtime and fewer headaches when changing banks, allowing them to focus on operations. For banks, it means higher deposit retention and increased treasury service adoption. As digital transformation accelerates, such solutions could become essential for community and regional banks seeking to compete with larger institutions. This news matters because it demonstrates how technology can preserve personal service while making complex processes seamless, ultimately benefiting both businesses and financial institutions.
Summary
22nd State Banking Company has announced a strategic partnership with Onsetto, the Commercial Banking Operating Platform, to deploy Onsetto’s SwitchAssist across its two divisions, 22nd State Bank and Always.bank. The collaboration aims to simplify the often cumbersome process of transitioning business financial activity—such as operating deposits, receivables, payables, and payroll—to a new banking relationship. While opening a business bank account is straightforward, moving the underlying financial operations can be complex and time-consuming. SwitchAssist addresses this by providing a guided experience that helps business customers understand what needs to move, track their progress, and know what steps come next. Simultaneously, bankers gain visibility into customer progress, enabling proactive support to keep the transition on track.
Cale Johnston, Founder and CEO of Onsetto, emphasized that opening an account is just the first step; the real challenge is moving the deposits, receivables, payables, and payroll that make the new bank integral to daily operations. Greg Spadea, Executive Vice President and Chief Digital Officer of 22nd State Banking Company, noted that the partnership reflects the bank’s commitment to using technology to make banking easier while preserving personal service. The deployment also targets existing business accounts that remain underutilized, offering a structured way to help customers complete their transition and deepen relationships. SwitchAssist is part of Onsetto’s broader Commercial Banking Operating Platform, which follows the Identify, Activate, Expand, and Retain framework to help financial institutions build primary operating relationships. This partnership underscores a growing trend among banks to leverage digital tools to remove friction and enhance customer experience.
Source Statement
This curated news summary relied on content distributed by NewMediaWire. Read the original source here, 22nd State Bank Taps Onsetto to Simplify Business Banking Transitions
