Immediate Funds

Immediate Funds℠ from Fiserv is an instant check cashing platform that will help you deepen relationships by offering your customers or members instant access to funds when they deposit checks through teller, mobile and ATM channels.

Cash in on Convenience

Consumers want their financial institutions to offer immediate-funds services.

Download the Paper


Your accountholders want instant access to their deposited funds. Deliver the funds availability they expect and strengthen your relationship by offering Immediate Funds from Fiserv. Immediate Funds lets you meet a pressing demand from small businesses and consumers across all demographic groups – while generating revenue for your institution.

Our instant check cashing solution enables you to offer that differentiated consumer experience the market demands today. No other solution can match Immediate Funds for delivering convenience for your accountholders and goodwill for your institution.

  • Customer convenience: Delivered quickly through your existing mobile and ATM channels, and in-person at the teller line
  • No declines: The unique configuration of the Immediate Funds deposit service allows accountholders to receive an offer of accelerated funds availability only when they've been pre-approved
  • No personally identifiable data: Today's savvy consumers are increasingly concerned about their personally identifiable information (PII)
  • Response within seconds: We live in an instant gratification world and within seconds can provide an offer to your accountholders
  • Consistently high approval rates: Our model automatically tries to approve the first transaction for every accountholder to grow adoption


Immediate Funds:

  • Enables you to provide immediate funds for your accountholders from check deposits
  • Gives your accountholders an option for immediate funds at your financial institution rather than at an alternative financial service provider
  • Delivers immediate funds decisions to your staff within seconds, avoiding line delays or accountholder wait time
  • Keeps you in complete control of the accountholder relationship via communications, branding, promotion and delivery
  • Requires no software installation and can be applied to all relevant points of check presentment
  • Offers your institution the option to generate revenue with value-added services

Have a question for us?

For more information on Immediate Funds, complete the short form below.

For information about other solutions, use the Contact Us Page.