Deposit Liquidity Solutions

Meet consumer demand for fast, convenient liquidity options tailored to meet their needs at exactly the right time.

Meet real-time needs
Offer balanced options to help accountholders meet immediate needs and set your institution apart from those that offer typical one-size-fits-all offerings.

Create compelling experiences
Meet expectations faster and retain your best customers with timely, relevant experiences that reduce friction in key moments and keep customers engaged.

Manage risk
Deliver built-in protections for your accountholders and your institution with solutions that reduce exposure to fraud and errors while maintaining a smooth experience.

Increase noninterest income
Reduce the impact of fluctuating interest rates with strategies that support noninterest income and diversify revenue sources.

Learn about our deposit liquidity solutions
 

Immediate Funds℠
In partnership with VALID Systems

Instant, guaranteed funds availability when consumers or small businesses deposit checks, instead of applying typical hold policies.

SmarterPay™

Deposit analytics solution that dynamically adjusts individual accountholders’ overdraft limits based on transactional behavior such as increased deposits or decreased risks.

Deposit Line

Deposit-based liquidity solution enabling your financial institution to offer accountholders a better option to bridge the gap for their immediate spending needs.

Real-Time Loss Alerts (RTLA)
In partnership with VALID Systems

Mitigate deposit risk by predicting the likelihood of account charge off at the time a deposit is made. RTLA goes beyond simple item validation to focusing on the depositor’s overall risk profile.

Discover insights related to liquidity solutions

WHITE PAPER
Man typing on a laptop keyboard

Exploring the demand for deposit-based bank lending

Research shows consumers have an unmet need for a fast, automated solution for small, short-term loans. Learn how financial institutions can help.
POINT OF VIEW PAPER
Abstract close up image of circuitry with padlock

Short-term lending can have broad appeal

A significant portion of higher-educated, higher-income consumers want access to short‑term funds. Learn how liquidity matters for everyone.
whitepaper
man sitting at kitchen table smiling and looking at tablet

Filling the void in accountholders’ cash flow needs 

Addressing liquidity needs could be the key to long-term deposit growth amid changing consumer expectations.
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Ready to get started?

Contact us to find out more