Immediate Funds

Offer funds availability to your accountholders while building deeper relationships

Your accountholders want instant access to their deposited funds. Strengthen your relationship with them by delivering the funds availability they expect.

Immediate FundsSM from Fiserv provides financial institutions with a service to expedite funds availability for small businesses and consumers. Deepen relationships by instant access to check funds when they’re deposited through teller, mobile and ATM channels.

Immediate Funds lets you meet a pressing demand across all demographic groups – while generating revenue for your institution as a value-added service. You can count on Immediate Funds to deliver convenience for accountholders and goodwill for your institution.

Your financial institution retains complete control of the accountholder relationship through communications, branding, promotion and delivery.


Deliver the differentiated consumer experience for funds availability that the market demands

Customer Convenience

Delivered quickly through your existing mobile and ATM channels, and in-person at the teller line

Immediate Response, No Declines

Unique configuration allows accountholders to receive an offer of accelerated funds availability within seconds only when they've been pre-approved

Data Protection

Less worry for today's savvy consumers who are increasingly concerned about their personally identifiable information (PII)

Consistently High Approval Rates

Our model automatically attempts to approve the first transaction for every accountholder to grow adoption

Real-Time Delivery

Decisions on availability are immediately delivered to your staff, avoiding line delays or accountholder wait time

Easy Implementation

Requires no software installation and can be applied to all relevant points of check presentment


How It Works

Immediate Funds routes check deposit transactions through a decision engine that offers your customers instant funds availability in exchange for a fee.

Meet the Demand for Accelerated Funds Availability While Generating Revenue and Reducing Overall Risk

With Immediate Funds, you can provide faster access to funds from check deposits, giving your customers and members a more convenient way to access their funds at your financial institution rather than at an alternative financial service provider.

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Four Advantages of Mobile Check Deposit With Expedited Funds Availability

Providing mobile check deposit with instant access to deposited check funds gives your financial institution and your accountholders many advantages including  reduced risk, greater convenience, higher adoption rates and a competitive edge.

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