22nd State Banking Company Partners with Onsetto to Simplify Business Banking Transitions

Business owners know that opening a new bank account is often the easy part. The real challenge lies in moving the financial activity that keeps their operations running—operating deposits, receivables, payables, and payroll. 22nd State Banking Company is tackling this problem head-on through a new partnership with Onsetto, the Commercial Banking Operating Platform designed to help financial institutions establish and grow primary operating relationships.

The company will deploy Onsetto’s SwitchAssist across two of its divisions, 22nd State Bank and Always.bank. SwitchAssist provides a guided experience that helps business customers understand what needs to move, what they have already completed, and what comes next. At the same time, bankers gain visibility into customer progress, allowing them to proactively offer support and keep the transition moving forward.

“Opening a business account is only the first step in building a banking relationship,” said Cale Johnston, Founder and CEO of Onsetto. “The customer still has to move the deposits, receivables, payables and payroll that make the new bank part of how their business operates every day. That process has traditionally been time-consuming and difficult. 22nd State Banking Company is making that transition easier for business customers across its banking brands by giving them a guided path to move their financial activity, with their banker there to support them along the way.”

For financial institutions, the challenge extends beyond new accounts. Existing business accounts can remain underutilized when customers never fully transition their operating activity. SwitchAssist can be used across both new and existing relationships, giving banks a structured way to help customers move critical financial activity and giving bankers greater visibility into where assistance may be needed. This allows banks to support net-new customer activation as well as targeted outreach to existing accounts where an operating relationship has not yet been fully established.

The partnership reflects 22nd State Banking Company’s continued investment in digital capabilities designed to make banking easier across its brands while preserving the personal relationships at the center of its approach to serving businesses. “When a business chooses to bank with us, we want the experience that follows to reinforce why they chose us,” said Greg Spadea, Executive Vice President and Chief Digital Officer of 22nd State Banking Company. “Onsetto gives our customers a clear, guided way to move their financial activity while keeping our bankers connected throughout the process. It’s a great example of how we can use technology to make banking easier without losing the personal service that defines our approach.”

SwitchAssist is part of Onsetto’s broader Commercial Banking Operating Platform, designed to help financial institutions move beyond winning accounts to building primary operating relationships. The platform puts the Onsetto Operating Relationship Framework—Identify, Activate, Expand and Retain—into action, giving financial institutions a repeatable approach for building deeper commercial banking relationships. For more information, visit www.onsetto.com.

The implications for Texas businesses are significant. As companies seek efficient banking partners, tools like SwitchAssist can reduce the friction that often discourages them from fully transitioning their financial operations. This could lead to stronger, more engaged banking relationships, ultimately supporting business growth and economic activity. For the banking industry, the partnership signals a growing focus on customer activation and retention, moving beyond account acquisition to ensure long-term relationship value. By simplifying the transition process, 22nd State Banking Company and Onsetto are helping businesses focus on what they do best—running and growing their operations.