Commercial Banking Solutions

Become More Central to Commercial Relationships

Commercial customers can keep their primary account with your bank while moving payments, cards, and cash management elsewhere. CSI helps your institution bring more of that activity back with connected commercial banking capabilities.

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Keep The Commercial Relationship Connected

Commercial customers often turn to other providers when their bank cannot support a needed payment method, account structure, or workflow. The account may stay with your institution even as operating balances and transaction activity move elsewhere.

CSI Commercial Banking Solutions help your bank close those gaps and support more of the financial work businesses manage every day. Your institution can offer stronger commercial capabilities while preserving the personal service that makes the relationship valuable.

Learn how to capture more commercial activity

Win More Operating Deposits

Give commercial customers a more flexible way to manage complex account structures with virtual accounts that organize and track funds by property, entity, customer, transaction or purpose. This gives your bank a better way to serve businesses with complex structures and compete for the operating balances tied to them.

Learn more about commercial deposits

Give Businesses More Ways to Move Money

Support the way your commercial customers need to pay and get paid with access to ACH, wire, RTP, FedNow and other domestic and international payment rails. CSI’s coordinated payment capabilities help your bank handle more complex money movement and keep more payment and treasury activity within the relationship.

Explore flexible money movement

Provide the card businesses are looking for

Offer debit, prepaid, virtual and corporate card programs with configurable controls and real-time visibility. Connected card capabilities can help your bank capture more commercial activity and support the financial operations of more sophisticated business customers.

Learn more about commercial cards

Meet Customers Where They Work

Give customers access through CSI digital banking or make selected banking capabilities available within ERP systems and other business software through APIs and integrations. This gives businesses the choice to bank through your digital experience or within the systems they already use to run their operations.

Explore digital & embedded capabilities

Extend Your Bank’s Reach Through Embedded Finance

Expand your commercial strategy beyond traditional banking channels by providing regulated account, payment and card capabilities through approved fintech and platform experiences. CSI Commercial Banking Solutions bring together the banking technology and integrations needed to help your institution pursue sponsor-bank opportunities and build embedded finance programs that align with your growth strategy.

See how CSI supports Embedded Finance
White Paper

How Community Banks Win Commercial Relationships Becoming Integral to Modern Business Operations

Explore how community banks can support more of their business customers’ day-to-day financial operations and build stronger commercial relationships by becoming a more integral part of how businesses manage money.

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Frequently Asked Questions

CSI Commercial Banking Solutions bring together commercial deposit, virtual account, payment, card and digital capabilities to help community banks support more of how businesses manage money. The goal is to help banks serve more complex customers, grow valuable operating deposits and capture more of the commercial relationship.

Virtual account management helps businesses organize and track funds beneath a parent bank account. Funds can be separated by property, entity, customer, transaction or another business-defined purpose while the bank maintains a consolidated view of the relationship.

Not always. Depending on the solution and integration, customers may manage their finances through CSI digital banking or access selected banking capabilities within ERP systems and other business software. Availability will depend on the bank’s configuration and the capabilities being used.

Embedded banking places selected banking services inside the software a bank’s own business customers already use – for example, allowing a property manager to view balances or initiate a payment without leaving its operating system. Embedded finance is broader: the bank provides regulated financial capabilities behind a third-party fintech or platform experience offered to that platform’s customers.

NuPoint provides the core banking foundation. CSI Commercial Banking Solutions are designed to extend that foundation with capabilities such as virtual accounts, real-time ledgering, coordinated payments, commercial cards and flexible digital access.

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News & Resources

Why Holding the Commercial Account Is No Longer Enough

Learn why holding a commercial account no longer guarantees primacy and how community banks can retain deposits by supporting daily financial workflows.

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5 Ways Financial Institutions Can Create More Value for Small Businesses

Small businesses want more than banking products. Explore five ways financial institutions can deliver greater value and become trusted business partners.

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Why Early Engagement Is Critical for Customer Retention

High attrition rate with new bank accounts? Learn best practices for new customer engagement strategies and how personalized content drives long-term growth.

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Bring More of the Commercial Relationship Back to Your Bank

Talk with CSI about where your commercial customers’ financial activity is moving and how your institution can compete for more of it.

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