Deposit Line

Rising demand for quick access to cash and limited access to traditional bank credit products have led many consumers to turn to nontraditional lenders for their liquidity needs. By addressing the needs of these consumers with deposit-based liquidity options, financial institutions can gain long-term accountholders and create a reliable noninterest, controlled-risk revenue stream.

In the past, regulatory guidance made it prohibitive for financial institutions to offer small-dollar lending. New guidance now encourages financial institutions to offer deposit-based liquidity solutions, which can increase their wallet share, improve customer satisfaction and position organizations as leaders in consumer-focused, next-generation financial solutions. And consumers are looking for these cash flow options today.


The Growing Consumer Need for Deposit Liquidity


of consumers need short-term funds annually


turn to nonbank providers


$30 billion
is spent annually in the U.S. to borrow small amounts from lenders outside of the banking system*


* Sources: 2020 Emergency Funds Survey, conducted by SmartBrief and sponsored by Fiserv; Standards Needed for Small Installment Loans From Banks, Credit Unions, Pew Charitable Trust, Feb. 2018

Our deposit-based liquidity solution, Deposit Line from Fiserv enables you to offer deposit advance programs to your eligible accountholders to address their need short-term funds.

Designed for your accountholders who need to bridge their liquidity needs quickly and conveniently – without the financial constraints of discretionary overdraft services or the use of nonbank entities – Deposit Line is an end-to-end liquidity solution that manages your cash-strapped accountholders' needs, from underwriting to administration.

Deposit Line drives new revenue opportunities with liquidity options your accountholders are demanding


Quick to Market

Deliver new services fast to respond to depositor needs and directly integration to your core deposit systems, with few resources and development required at the institution level.


Easy Access

Accountholders securely connect through mobile app or online banking to a bank-branded Fiserv site for advances, payments and account management, in real time with immediate response. 

Mitigate the Risks

Deposit Line allows you to leverage our proven behavioral algorithm, based on the SmarterPay® from Fiserv platform and driven by account history, to determine real-time eligibility and suggested fund availability.

Proven Results

Prior to the current regulations, Fiserv led the market in deposit-based liquidity solutions, so we have the knowledge and support that your financial institution needs to successfully offer these solutions today.


Comprehensive, customizable liquidity servicing options, without the need for direct bank intervention, in a secure framework designed to satisfy regulatory concerns while meeting your institution’s specific requirements and business rules.

Better Experience

Provides liquidity relief for a longer period than typical overdraft solutions and more manageable options for cash flow, improving overall customer satisfaction.


Revenue and Retention

Gives you more noninterest income opportunities, versus relying only on unpredictable interest products or losing accountholders to third-party lenders.




Learn More

Deposit Line can help financial institutions drive new noninterest income revenue streams while addressing an unmet need for depositors.


Meeting the Increasing Demand for Short‑Term Funds

Consumers are looking for greater access to short-term, smaller‑dollar loans to meet unexpected expenses – and the majority are interested in turning to financial institutions for solutions. As a result, many banks are recognizing the value of offering accountholders deposit-based liquidity options.

Read the POV paper

Discover insights on deposit-based liquidity solutions

Why It’s the Right Time to Offer a Deposit-Based Liquidity Solution

Learn what consumers say about their need for short-term funds in this infographic that details industry survey results, and gain insight into the benefits retail banking leaders can expect by offering deposit liquidity solutions.

View the infographic

Short-Term Lending Can Have Broad Appeal

The 2020 Emergency Funds Survey shows a significant portion of higher-educated, higher-income respondents also want access to short‑term funds.

Read the POV paper

Have a question for us?

For more information on Deposit Line, complete the short form below.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.