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.

Accelerate funds availability without recourse for the depositor, payor or your financial institution with Immediate Funds from Fiserv. When checks are deposited through teller, mobile or ATM channels, you’ll be able to provide instant access to funds and peace-of-mind for your accountholders.

Your financial institution retains complete control of the accountholder relationship through communications, branding, promotion and delivery. You can count on Immediate FundsSM to deliver convenience for accountholders and goodwill for your institution.


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

Accelerates funds availability without resourse for the depositor, payor or your financial institution

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 achieves a high rate of account holder transactions

Real-Time Delivery

Regardless of the deposit channel selected, funds are decisioned and delivered instantly

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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