Commercial Banking

Commercial Banking Solutions

To win and retain operating account deposits, financial institutions need the solutions businesses require, with the digital experience they expect—from Day 1 of the relationship. Q2 is a growth enabler helping institutions attract, retain, and grow their commercial accounts.  

With a modern UX and a mobile-first architecture, our software solutions provide an exceptional Day 1 experience that enables financial institutions to hit the ground running.

  • In a liquidity crisis, operating accounts are critical

    In today’s economic environment, deposit acquisition and retention are top priorities for every financial institution. And the competition is stiff—especially for the stickier operating account deposits that fortify your balance sheet. To win, banks and credit unions must provide the solutions businesses need, when they need them, delivered through the experience they expect.  

    Q2’s platform helps financial institutions capture and protect deposits through better experiences and integrated solutions. In a highly competitive market, all institutions must do everything they can to stay at the head of the pack.  

  • The end of the “one-size-fits-all” digital experience

    It’s no longer good enough to provide a single digital banking experience to businesses of all types and sizes. Every business—from small to mid-market to large corporate—has unique needs. 

    To differentiate in the market, financial institutions must provide a digital experience that aligns to how each business operates—even if that means solutions that go beyond traditional banking. Q2 provides a flexible digital banking platform that adapts to businesses of all sizes and verticals. The open architecture enables integration of a variety of fintech solutions, transforming the digital banking platform into a critical hub of business activity. 

Q2 Catalyst is a suite of digital commercial banking solutions that helps you win more deals, onboard clients faster, serve them better, and grow profitable relationships.

See how

Here’s how Q2 Catalyst can help

Win more profitable deals

Understand relationship profitability across business units, collect valuable insights, make better-informed pricing and structuring decisions, offer a “test drive” of commercial features, and close more—and better—deals.

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Onboard businesses faster

Onboard SMBs in minutes on a mobile device. Onboard large businesses in days, not weeks. Flatten KYC roadblocks, reduce compliance delays, automate treasury onboarding, and start commercial clients on the right foot.

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Serve businesses better

Show that you understand the requirements of every business you serve. Deliver the flexible and scalable capabilities they need and the experiences they expect—all tailored to fit their size and vertical. This relevance helps financial institutions build trust with business clients.

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Grow deeper relationships

Be a one-stop shop for your clients by offering the fintech tools they need—like accounting, expense management, and payroll tools—directly within their digital banking experience. You’ll boost engagement, build loyalty, and drive opportunities for non-interest income.

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How to Win in Commercial Banking: A Step-by-Step Guide

In this short paper find out how Q2 Catalyst can propel your commercial banking strategy forward.

Read now

How we help you build commercial relationships

  • 1BPS higher net interest margin relative to peers
  • 1X deposit growth relative to peers
  • 9% lower non-performing loans rate relative to peers
  • >1X commercial loan growth year over year

Don’t take our word for it

datos-insights-white

best in class

Commercial

“Best-in-class” leader in the Datos/Aite
Matrix: Leading U.S. Cash
Management Technology Providers
vendor assessment, 2023"

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javelin-21-25

best in class

Small business

"Best in Class" in Javelin Strategy and
Research’s 2025 Small Business
Digital Banking Vendor Scorecard

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  • The framework that Q2 built helps us scale faster and bring fintech to our customers faster. It’s also about the strong partnership we have with Q2.

    Shon Cass
    Cofounder/EVP/CXO
    Read story

  • We didn’t want to be at par. We wanted to have a partner that was customizable, would grow with us, and was thinking about the future. And that’s what Q2 offered, and that’s why they won our business.

    Katherine Weislogel
    Executive Director/Head of Treasury and Payments Solutions
    Read story
 

Solutions for your biggest challenges

  • Optimize relationship opportunities

    Give relationship managers and treasury officers in-the-moment, data-driven coaching and pricing tools.

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  • Accelerate digital innovation

    Launch fintech solutions that solve specific problems for business customers in weeks, not months.

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  • Reduce risk and prevent fraud

    Protect commercial relationships with the latest security technology, like zero trust protocols, machine learning, and blockchain data protection.

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