Dama to TBO Bank Transition

Two client groups at a glance

On November 18, 2026, Dama Financial moves to TBO Bank. Clients fall into two groups, and the first thing on every call is to work out which group the caller is in.

ADart Bank clients

Who: 174 clients whose accounts are held at Dart Bank. Most don’t know their account is at Dart.
How to identify: Account number starts with 568, 571, 720 or 740
Action required: Yes. An Authorized User must opt in by November 13, 2026. Some may need to provide compliance documents.
If they don’t act: Account(s) may be closed
Funds after 11/18: TBO Bank (funds move automatically after opt-in)
Updated Terms and Conditions: In OAC on 11/18/2026
Landing page: resources.leaflink.com/dama-tbo-bank-transition

BFOB clients

Who: All clients whose accounts are held at FOB
How to identify: Any other account number
Action required: No. Notification only.
If they don’t act: Nothing; account keeps working
Funds after 11/18: To confirmWording pending: the FOB landing page doesn’t mention this
Updated Terms and Conditions: To confirmNot mentioned on the FOB landing page
Landing page: resources.leaflink.com/dama-tbo-bank

Same for both groups

Account numbersNo change

Routing number072414527No change

FeesNo change

Online Account Center (OAC)No change

Bank logo on checksChanges. Download the new TBO logo

Cash pickup and smart safeNotices apply to both

Golden rule

Never send a Track B client to the opt-in page or tell them they need to act, and never let a Track A call end without confirming opt-in status.

Core call flow

Seven steps for every call. Step 3 picks the track, and step 4 shows that track’s script right here.

Greet

Thanks for calling Dama Financial, this is [Name].

(If caller asks about the bank transition -- use this call flow to guide the conversation)

Verify the caller

Use the standard process: business name, caller name, and whether they’re an Authorized User on the account.

Identify the track

Can I get the first three digits of the account you’re calling about?

Type the digits in the bar above and the track is picked for you, or choose it here.

Multiple accounts? Check each one. A client could have accounts in both groups, so switch tracks here when you move to the next account.

Run the track script

Choose a track in step 3 and its script appears here.

Track A scriptDart Bank clients: opt-in required

These 174 clients need the most care. They likely don’t know their account sits at Dart Bank, they have a deadline, and some will be asked for compliance documents. Lead with reassurance, then the action.

Explain the change

On November 18, your Dama account is moving to a new partner bank, TBO Bank. Your account number, routing number, fees and Online Account Center (OAC) all stay the same. Because your account is moving to a new bank, we need a quick opt-in from you to keep it active.

If they ask where their account is today

Dama works with a few partner banks behind the scenes. Your account is currently held at Dart Bank, one of those partners. You’ve always managed it through Dama and Online Account Center (OAC), and that won’t change.

Check opt-in status

Already opted in

You’re all set, thank you. On November 18 your funds move to TBO Bank automatically; there is nothing you need to transfer or change on your end.

Not opted in, caller is an Authorized User

You can opt in with the link in the email we sent, or I can help you with it right now.

Walk them through it, or follow the RM opt-in process.

Not opted in, caller is NOT an Authorized User

Only an Authorized User on the account can opt in. Who on your team is listed?

Note the name and schedule a follow-up with that person.

Can’t find the email

Confirm the email on file, check spam/junk, offer to resend or escalate to the Slack channel.

Deadline

The deadline is November 13. If we don’t hear from you by then, the account may be closed, so we want to make sure you’re covered.

Compliance documents

Some accounts may also need updated compliance information, such as beneficial ownership details, monthly sales activity or other standard account documents. If yours does, someone from Dama Financial will contact you directly.

Let’s confirm what’s outstanding and when you can send it.

Use the second line if the documents were already requested. Check the client’s cases in Salesforce.

Recap

Just to recap: [you’ve opted in today / you’re already opted in / [Authorized User] will opt in by November 13]. Your account and routing numbers stay the same, and from November 18 your funds will be held at TBO Bank. The updated Terms and Conditions will be in OAC that day.

Track B scriptFOB clients: notification only

Keep it short and calm. These clients don’t need to do anything.

Explain the change

On November 18, Dama Financial is moving to a new partner bank, TBO Bank. Good news: there’s no action needed on your end. Your account number, routing number, fees and the Online Account Center all stay the same, and your account keeps working as it does today. The only thing you’ll notice is the new bank logo on your checks.

If they got an opt-in email or heard others need to opt in

Opt-in only applies to a small group of accounts that are moving from a different bank. Your account doesn’t need it.

If they received an opt-in email, escalate to the Slack channel tbo-migration.

Recap

Just to recap: nothing is needed from you. Your account and routing numbers stay the same, and you can keep using OAC as normal. You can find all the details at resources.leaflink.com/dama-tbo-bank.

Ask the qualifying questions

Ask each question, then open it to see what to say. These apply to both tracks.

“Do you use our cash pickup service or a smart safe?”

Cash pickup clients

Because of the transition, there will be no cash pickup from November 16 through November 18 and no change orders for requested dates from October 31 through November 18. Your normal schedule resumes on November 19.

If you need a pickup before then, the last available date is November 13, so let’s plan for that day or earlier so you’re not holding extra cash on site.

Last available change-order date before the pause: October 30. Dates come from the landing pages.

Smart safe clients

Provisional credit will be paused from November 9 through November 18, and it resumes automatically on November 19 at 8:00 AM CT. Funds will be credited to your account once the cash is picked up.

Taken from the landing page. For anything beyond provisional credit, offer a follow-up.

“Do you write checks or use a payroll company that issues checks or direct deposit?”

The only change is the bank logo printed on your checks. Check numbers, account number, routing number and the signature wording stay the same.

Signature wording stays the same:

Signature on file. This check has been authorized by your depositor.

If a payroll company prints your checks, let them know to swap the logo. Direct deposit details don’t change.

Download the new TBO logo to send to the client or their payroll company.

“Do you send or receive wires?”

Outgoing, domestic and international

Keep sending from OAC as you do today.

Incoming

Share the details in OAC under Deposit and Collect > Wire Transfer Information with anyone sending you a wire.

Answer questions

Use the objections and FAQ sections. If you don’t know, don’t guess.

Let me confirm that and get back to you by [day/time].

Recap, close and log the call

See Rules & escalation for what to log.

Objection handling

Acknowledge first, reassure with a specific fact, then bring it back to the next step. Use the Track filter above to hide rows that don’t apply.

“Why are you changing banks?”Both

Dama works with partner banks to hold deposits and process transactions. Our leadership team is always looking for ways to grow, TBO may give us a chance to explore new products to offer you. Day to day, your experience stays the same.

“I didn’t know my account was at Dart Bank.”Track A

That’s completely understandable. Dama manages your account and OAC, and the partner bank works behind the scenes. That’s exactly why we’re reaching out: we want this move to be seamless for you.

“Didn’t you just change banks?”Both

You’re right, we recently moved to FOB which is a partner bank. In this transition we are moving over to a new payment processor bank.

“Do I have to do anything?”Both

Track A

Yes, just a quick opt-in by November 13.

Track B

No, nothing at all.

“Why do you need my authorization?”Track A

Your account is moving to a new bank, so we need your permission as an Authorized User to transfer it. Nothing moves without your OK.

“Why do you need more documents from me?”Track A

The new bank needs up-to-date account information as part of standard compliance. Not every client is asked; if you are, your RM will tell you exactly what’s needed.

“I don’t like change.”Both

That’s understandable. Almost everything stays the same: same Dama Financial, same online portal, same account and routing numbers, same fees.

“Can I think about it?”Track A

Absolutely. Just remember to opt in by November 13 so your account isn’t closed for no response. Can I follow up with you on November 9th?

“Is this secure?” / “Is my money safe?”Both

Yes. The transition follows applicable banking and compliance requirements, and your information is handled under Dama Financial’s existing security processes. Deposits remain eligible for FDIC insurance per applicable law and program disclosures.

“I want to opt out / close my account.”Track A

Can I ask what’s driving that? [Address the concern.] If you still prefer not to transition, we’ll close the account and return remaining funds by checking your address on file.

Escalate to your manager/RM. Don’t process an opt-out without review.

“Is Dama going away?”Both

No. You’ll keep working with Dama Financial and your LeafLink team. Only the partner bank behind the account is changing.

“Will you offer debit cards now?”Both

Not yet, but it’s a priority our executive team is actively working on. We now offer interest-bearing accounts (IBA). Would you like details?

Don’t promise debit cards or a launch date.

“Is this email a scam?”Both

Good instinct to check. Our emails come from bankingmigration@leaflink.com / clientserviceteam@leaflink.com and link to resources.leaflink.com. We’ll never ask for your password.

FAQ

Short answers to questions clients ask most. Items marked pending have no approved answer yet.

About the change

When will this transition happen?

November 18, 2026.

Who is TBO Bank?

Answer pendingNo approved answer yet. Don’t guess; offer a follow-up time.

Why are we switching to a new payment processor bank?

Answer pendingNo approved answer yet. See the objection “Why are you changing banks?” for the wording to use for now.

What is a payment processor bank?

Dama Financial isn’t a bank itself. It partners with banks that hold client deposits and process transactions like ACH, wires and checks. That partner is changing to TBO Bank; Dama remains your provider.

Has this happened before?

Yes. We recently moved from a previous bank partner to FOB. This is a change to our payment processor bank.

Is Dama Financial going away?

No. You’ll continue working with Dama Financial and your LeafLink team.

Does this affect all my Dama accounts?

Yes, all Dama accounts associated with your company. If you have several, check each one: opt-in applies only to accounts starting 568, 571, 720 or 740.

Opting in Track A only

Do I need to opt in?

Only if your account number starts with 568, 571, 720 or 740. Everyone else needs no action.

Why do I have to opt in?

Your account is moving to a new banking partner, so we need your authorization to complete the transfer.

How do I opt in?

Use the link in the email we sent, contact your relationship manager, or email bankingmigration@leaflink.com. Only Authorized Users on the account can opt in.

What’s the deadline?

November 13, 2026.

What happens if I don’t opt in?

Your Dama account(s) may be closed.

Can I opt out?

Yes. We’ll close your account and return your remaining funds by check mailed to your address on file. Escalate to your manager/RM first.

Do I need to transfer my funds?

No. Once you opt in, funds move to TBO Bank automatically on November 18.

Will I need to provide more documentation?

Some clients may, such as beneficial ownership details, monthly sales activity or other standard account maintenance documents. If so, someone from Dama Financial will contact you directly.

Account details and access

Will my account number(s) or routing number change?

No. Your account numbers and routing number (072414527) stay the same.

Will my fees change?

No.

What do I need to do starting 11/18?

Nothing. Keep using your account and the Online Account Center as you do today.

Will I log into a different website?

No. You’ll keep using the Dama Financial Online Account Center.

Where will my deposits be held?

At TBO Bank, starting November 18, 2026.

Is my money FDIC insured?

Deposits remain eligible for FDIC insurance in accordance with applicable law, FDIC rules and program disclosures.

Where can I find the new Terms and Conditions?

In OAC starting November 18, 2026.

Payments

Do I need to update my vendors or customers?

No. Your account and routing numbers are unchanged.

Will ACH payments or deposits be affected?

No interruption to ACH or other payment processing is expected.

Will outstanding transactions be affected?

No. They’ll process as they do today.

Will my checks change?

Only the bank logo printed on them. Check numbers, account details and the signature wording (“Signature on file. This check has been authorized by your depositor.”) stay the same. Download the new logo.

What do I tell my payroll company?

Only that the bank logo on checks needs to change. Direct deposit details stay the same.

Can I still send and receive international wires?

Yes. Keep sending from OAC. For incoming wires, share the details in OAC under Deposit and Collect > Wire Transfer Information.

Does this mean you’ll offer debit cards?

Not yet. It’s a priority our executive team is working on. We now offer interest-bearing accounts (IBA).

Cash and smart safe services

Will my cash pickups change?

There will be no cash pickup from November 16 through November 18 and no change orders for requested dates from October 31 through November 18. Pickups and change orders resume November 19.

Will my smart safe be affected?

Provisional credit will be paused from November 9 through November 18 and resumes automatically on November 19 at 8:00 AM CT. Funds are credited once the cash is picked up.

Who can I talk to about this change?

Your relationship manager, or bankingmigration@leaflink.com.

Content from the October 8, 2026 version of the Dama → TBO Bank Transition call script & FAQ. Check with Stephanie for later changes to dates or wording.

Dama → TBO Bank Transition

Two client groups at a glance

Same for both groups

Core call flow

Greet

Verify the caller

Identify the track

Run the track script

Explain the change

If they ask where their account is today

Check opt-in status

Deadline

Compliance documents

Recap

Explain the change

If they got an opt-in email or heard others need to opt in

Recap

Ask the qualifying questions

Answer questions

Recap, close and log the call

Shared scripts

Cash pickup clients

Smart safe clients

Checks, payroll and direct deposit

Wires

Outgoing, domestic and international

Incoming

Objection handling

FAQ

About the change

Opting in Track A only

Account details and access

Payments

Cash and smart safe services

Do’s, don’ts and escalation

Do

Don’t

Escalate when

Log every call

Open items before rollout