VideoJuly 29, 2026/

Filling the Ownership Gap: Turning Account Openings into Active, Lasting Relationships

44% of checking accounts go inactive within the first year. Watch Har Rai Khalsa, Co-Founder & CEO of Swaystack, and Matt Fehrmann, CIO at Kohler Credit Union, break down the ownership gap and the playbook for turning account openings into active, lasting relationships.

Account activationDigital onboardingEngagement banking

What you will learn

The account was opened. The question is whether anyone showed up to activate it. Retail opens the account, Marketing sends a welcome email, Digital owns the platform, and Lending moves on to the next deal — and somewhere in between, ownership fades, and so does engagement.

On-demand webinar

Account Activation

Onboarding ownership

What You’ll Learn

Why traditional onboarding fails to drive real activation
Which early behaviors actually signal long-term account value
How to create accountability across Retail, Marketing, Digital, and Lending most
What it takes to move from “account opened” to “relationship activated”
How Kohler Credit Union generated 24% more accounts with over $200 in funding, and increased debit activity by 78% in the first 30 days

Turn new accounts into active, funded relationships

Book a discovery call and we will show you where activation is breaking down in your own onboarding.