The New Job of the Business Checking Account
New Cornerstone research shows how financial institutions can reconnect the workflows that power small business relationships.
Fintechs have unbundled everyday workflows that once made the business checking account the center of the small business relationship. Discover how banks and credit unions can win that engagement back.
2026 Cornerstone Advisors research outlines how financial institutions can reconnect payments, cash-flow insight, lending and trusted advice around the account to make the relationship smarter. Highlights:
- Fintechs are gaining ground by owning individual workflows and the operating data those interactions generate
- Businesses still value their primary financial institution for confidence, time savings, credit access, safety and trust
- Nearly three-quarters of businesses would consolidate more activity with their bank if it matched valued fintech capabilities
- Embedded accounts receivable and accounts payable experiences can help financial institutions reclaim the money-movement layer
Download the report to discover five moves for financial institutions to make business checking a smarter hub for workflows, data and proactive financial support.
Disclaimer: The views, opinions, and analysis expressed in this whitepaper are those of Cornerstone Advisors and are provided for informational purposes only. They do not necessarily reflect the views, positions, or opinions of Fiserv, Inc. or its affiliates. Reference to this content does not constitute endorsement by Fiserv.
73% of businesses would consolidate more financial activity* with their bank if it offered capabilities comparable to their most valued fintech platform.
*% reporting “definitely” or “probably”