Relationship Switch Kit
Move the relationship without losing momentum.
Turn every high-value action into a switch readiness score, treasury implementation plan, customer packet, banker and ops board, risk alerts, and won-value tracker.
Avg readiness
49/100
Expected deposits
$27M
Risk alerts
141
Treasury lanes
275
Selected switch
Delta Ridge Contractors LLC
Delta Ridge Contractors LLC is a managed switch relationship: 65/100 readiness with 35/100 modeled move difficulty.
Readiness
65/100
Move difficulty
35/100
Expected deposits
$576K
Required products
6
Managed switch: Lead with the switch plan, not a rate: Delta Ridge Contractors LLC is a managed switch relationship: 65/100 readiness with 35/100 modeled move difficulty.
Expected deposits
$27,218,500
Deposits tied to a switch plan
Actual balances
$9,160,640
Modeled demo balances tracked against expected
Treasury products
275
Implementation lanes visible to ops
Active risks
141
Funding, payroll, merchant, and treasury gaps
Manager reviews
40
Pricing, waiver, or exception owners
Switch Pipeline
Ranked by expected deposits and switch risk so managers can see where a relationship may open, stall, or fail to fund.
Switch Readiness Score
How hard will this relationship be to move?
65/100
Delta Ridge Contractors LLC is a managed switch relationship: 65/100 readiness with 35/100 modeled move difficulty.
Treasury complexity
2 lanes
Estimated signers
3
ACH / wire volume
$127K
Move difficulty
35/100
Treasury complexity
2 implementation lanes
Discovery should confirm whether treasury setup is light or bundled.
Existing lender / credit relationship
Likely involved
Signal language points to lending, SBA, UCC, mortgage, maturity, renewal, or construction context.
Payroll vendor or payroll routing
Validate in discovery
Banker should ask how payroll is handled before quoting setup timing.
Merchant services / settlement
Settlement switch likely
Merchant settlement can lag account opening and should be tracked separately.
Number of signers
3 estimated signers
Signer count is modeled from relationship size, source type, role, and business complexity.
Estimated deposits
$576K
Larger balances usually require pricing discipline, liquidity structure, and manager visibility.
ACH / wire volume
$127K monthly modeled volume
Payment volume drives setup work, approval controls, and treasury operations coordination.
Source and contact confidence
Demo; Internal relationship
Better source proof and allowed contact channels reduce first-call and handoff risk.
Customer Switch Packet
Riverstone Community Bank switch plan for Delta Ridge Contractors LLC. Banker sends this after discovery so the customer sees what the bank handles, what the customer provides, and the timeline.
Download branded PDFThis switch packet is a relationship-service planning aid. It is not a credit offer, rate quote, mortgage preapproval, or guarantee of product availability. Final services, pricing, limits, and approvals follow normal bank review.
Treasury Implementation Plan
ACH origination
Treasury Ops - target day 5
Confirm payroll, vendor-payment, and recurring receivable volumes plus authorization users.
Prepare ACH agreement, exposure limit review, originator setup, and file-transmission testing.
Remote deposit capture
Treasury Ops - target day 7
Confirm check volume, deposit locations, scanner needs, and who will approve deposits.
Order or assign scanner, configure user entitlements, and schedule first-deposit test.
Positive pay
Treasury Ops - target day 10
Confirm check issuance process, payee-positive-pay need, and exception decision users.
Set file format, exception cutoff, dual-control users, and first exception review.
Wires
Treasury Ops - target day 8
Confirm wire volume, beneficiaries, approval workflow, callbacks, and dual-control users.
Configure wire limits, approval authorities, callback rules, and user entitlements.
Sweep / ICS / CDARS
Manager - target day 4
Confirm target operating balance, liquidity needs, insurance preferences, and rate sensitivity.
Review liquidity structure, pricing discipline, sweep parameters, and ICS/CDARS eligibility.
Merchant settlement
Treasury Ops - target day 12
Confirm processor, settlement account, batch timing, chargeback process, and statement contact.
Coordinate merchant boarding or settlement-account change and verify first settled batch.
Payroll routing
Treasury Ops - target day 14
Confirm payroll provider, pay dates, funding account, prenote requirements, and approval users.
Build payroll conversion timeline with parallel run, funding verification, and post-payroll check.
Fraud controls
Treasury Ops - target day 9
Confirm who approves payments, who releases files, and where fraud losses or near misses have occurred.
Bundle positive pay, ACH filters, dual control, wire callbacks, limits, and exception reporting.
Banker + Ops Task Board
Banker
Confirm decision makers and switching trigger
Day 0Validate 3 modeled signers, current account routine, and why the relationship should move now.
Send customer switch packet
Day 1Send the branded packet after discovery and record products proposed for ROI attribution.
Record won value and attribution
Day 14Track expected deposits, actual balances, products activated, loans/referrals, and source attribution back to Core Intelligence.
Treasury Ops
Open treasury implementation lane
Day 26 required products: Remote deposit capture, Positive pay, Wires, Sweep / ICS / CDARS, Merchant settlement, Fraud controls.
Schedule first-file and first-settlement tests
Day 7Confirm ACH, RDC, positive pay, wire, merchant, payroll, and fraud-control tests before declaring the switch complete.
Branch / Platform
Prepare operating account opening
Day 3Collect signer documentation, entity documents, beneficial ownership details, online access, and debit/card needs.
Manager
Review pricing, fee waiver, or referral split
Day 1Manager review required before pricing exceptions, treasury fee waivers, or split attribution are discussed externally.
Conversion Risk Alerts
Payroll not moved after 14 days.
Payroll was not confirmed yet; banker should ask before marking the switch complete.
Owner: Treasury Ops. Day 14. Next: Confirm provider, next pay date, funding account, prenote requirements, and parallel-run owner.
Merchant settlement still going to prior bank.
Merchant settlement is part of the switch; first settled batch must be verified.
Owner: Treasury Ops. Day 12. Next: Collect processor statement, settlement-account instructions, and first-batch verification date.
Deposits opened but treasury not activated.
A funded account without treasury activation leaves the relationship vulnerable and under-attributed.
Owner: Banker. Day 10. Next: Hold a banker and treasury ops checkpoint before calling the relationship fully converted.
High-value relationship stalled before funding.
$576K expected deposits are modeled; unfunded openings should escalate before the relationship cools.
Owner: Manager. Day 7. Next: Escalate to manager, confirm opening deposit date, and document blocker in CRM.
Won Relationship Value Tracking
Expected deposits
$576K
Actual balances
$265K
Fee income activated
$4K
Products sold
2/6
Funding variance
-$311K
Loans/referrals opened
0 of $0 potential
Tracking status
Needs funding follow-up
Source attribution
Sanitized core relationship extract - Bank-owned internal data - Demo
Owner Accountability
Morgan Avery
20 switch plans
50/100 readiness
$14M
Jordan Lee
10 switch plans
44/100 readiness
$7M
Priya Nair
6 switch plans
48/100 readiness
$3.9M
Alex Chen
4 switch plans
59/100 readiness
$2.7M
Compliance Guardrails
This switch kit is a relationship-service workflow, not a credit decision, rate quote, or product guarantee.
Do not imply the bank knows a private competitor relationship unless a sourced record explicitly proves it.
Customer-facing packet language stays operational: what the bank will handle, what the customer provides, and the timeline.
Account numbers are never stored in DepositLeads; internal attribution should use hashed identifiers only.