Onboarding · engagement · lending

Win primary
relationships

Banks and credit unions turn accounts into real relationships leveraging Swaystack's digital onboarding and engagement banking platform to guide account holders at every stage.

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Continue new account set up
2/5
Earn $300
Download app
Set up direct deposit
Make initial deposit
Transfer money into your new account.
Start
Kohler Credit UnionCascade Federal Credit UnionPeak Credit UnionUK Credit UnionThink BankCitizens State Bank
The problem

New accounts open every day. Most never become relationships.

Retail accounts
$400+

average acquisition cost per new account

44%

of new accounts become inactive

Business accounts
40%

of business accounts remain unfunded

$760+

cost of acquisition per business account

The platform

Give every account a clear path forward

Swaystack orchestrates the next best action for each account holder — automated journeys across digital banking, email, and SMS that activate, engage, and grow every relationship.

Explore the platform
Active
Menu swaystack More
Accounts Home
18 month share certificate
Available balance
$250,000.00
Basic checking
Available balance
$15,234.02
Basic credit card
Available balance
+ $256.64
Next best action
Switch direct deposit
Get started
By the numbers

The metrics that matter

71%
Increase in product adoption
50%
More initial funding
78%
Increase in debit swipes
13X
Higher digital banking adoption
Solutions

Purpose-built solutions for every stage of the customer journey

Welcome back, Natalie3/54/5
Initial funding
Direct deposit switchStart
Card activation

Retail Onboard

Guide users through funding, direct deposit, subscription transfers, card activation, and digital banking enrollment.

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Audience
Balance > $5,000No direct deposit
2,4812,604 members
Next best action
Open High-Yield Savings · 4.25% APY

Engage

Deliver personalized campaigns that increase deposits, product adoption, interchange income, and retention.

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Pre-approvedExpires in 14d
$32,000
Auto loan · 5.9% APR
Accept offer
Delivered in digital banking

Pre-Approvals

Deliver pre-approved offers across digital channels and capture loan applications directly in your digital banking experience.

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Get Acme LLC running
Fund account
Switch payroll
A/P & A/R
Treasury

Business Onboard

Guide customers them through funding, income, payroll, payments, treasury, and fraud protection from a single onboarding journey.

Explore
New research Cornerstone Advisors · July 24, 2026

Engage to Grow: Designing the Behaviors That Build Better Banking Relationships

Based on research from Cornerstone Advisors, Engage to Grow explores how leading banks and credit unions use engagement banking strategies to strengthen relationships, increase activation, and drive long-term growth.

Download the report Free · practical frameworks & recommendations
Engage to Grow report cover, commissioned by Swaystack
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. They wanted every new account to become an active, primary banking relationship from day one.

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.”

Chief Information Officer, Kohler Credit Union

Guide every relationship to the next best action

Every new account represents an investment—and an opportunity. Give customers and members the guidance they need to become active, engaged, and loyal from the start.