BEST-IN-CLASS Capabilities

Deposit Line

Meet accountholders’ short-term liquidity needs by offering Deposit Line from Fiserv, a deposit-based lending solution that addresses the needs of cash-strapped consumers.

KEY FEATURES

End-to-end technology

Leverage a comprehensive solution that manages all aspects of small-dollar lending – from underwriting to administration.
Digital convenience

Enable accountholders to securely connect through a mobile app or online banking to a bank-branded Fiserv site for advances, payments and account management.
Leading risk mitigation tools

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.
Easy implementation

Offer 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.
Innovative experience

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

A solution to empower accountholders

Drive new noninterest income revenue streams while minimizing the demand on staff.

Grow consumer satisfaction and boost retention by offering high-demand solutions digitally.

Deliver a secure experience that leverages automation to pre-screen potential borrowers.

Build your brand while ensuring regulatory compliance with a customizable bank-branded solution.

Compete for liquidity business by offering better cash flow options than nontraditional lenders.

Use Cases

Learn about our deposit-based liquidity solutions

SmarterPay

A deposit analytics solution that helps you assess and manage risk at the account level to facilitate responsible overdraft limit-setting practices.

Immediate Funds

A funds availability solution that enables you accelerate funds availability for teller, mobile or ATM deposits without recourse for the depositor, payor or your financial institution.

Discover insights related to Deposit Line

POINT OF VIEW PAPER

hand holding phone that says approved for loan

Meeting increasing demand for short‑term funds

Consumers are looking for short-term, smaller‑dollar loans to meet unexpected expenses – and the majority are interested in turning to financial institutions for solutions.

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Why it’s the right time to offer a deposit-based liquidity solution

Learn what consumers say about their need for short-term funds and gain insight into the benefits retail banking leaders can expect by offering deposit liquidity solutions.