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. By addressing the needs of these consumers with deposit-based lending options, financial institutions can satisfy and retain long-term accountholders.
In the past, regulatory guidance made it prohibitive for financial institutions to offer small-dollar lending. Today, new guidance encourages financial institutions to innovate and diversify their lending solutions to offer impactful cash flow options for consumers.
Our deposit-based liquidity solution, Deposit Line from Fiserv, enables you to offer lending programs to your eligible accountholders to address their need for short-term funds.
Designed for your accountholders who want 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 small-dollar lending solution that manages your cash-strapped accountholders' needs, from underwriting to administration.
The Growing Consumer Need for Deposit Liquidity
72%
of consumers need short-term funds annually
76%
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
Innovation
Seamlessly meet the small-dollar lending needs of your accountholders in real-time.
Easy Access
Enable accountholders to securely connect through a mobile app or online banking to a bank-branded Fiserv site for advances, payments and account management.
Mitigate the Risks
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 Track Record
Rely on the market leader in deposit-based lending solutions. With more than 20 years of experience, we provide the knowledge and support your financial institution needs to ensure program success.
Flexibility
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.
Better 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.
Retention and Satisfaction
Retain and grow your DDA accounts – which is critical to your business. With Deposit Line, you’ll meet your accountholder expectations for small-dollar lending while increasing their overall satisfaction with your institution.
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.
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.
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.
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