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.


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


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.

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


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Immediate Funds Fulfills Accountholders’ Need for Instant Access to Check Funds

Immediate Funds lets you meet a pressing demand from consumers and small businesses while adding timely digital services. Download our infographic to take a look at 2020 stats to see how Immediate Funds is growing. 

Download the Infographic


Helping Consumers Clear the Check Clearing Hurdle

Changes in consumer behavior are an opportunity for financial institutions to deepen their relationships with accountholders by delivering available funds solutions to meet their immediate needs.

Read the article

Why Your Small Business Strategy Needs to Address Checks

In this BAI Executive Report, Fiserv experts provide insight into immediate-availability strategies that can benefit financial institutions and provide a more advantageous solution for their small business customers.

Read the article

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