Founded in 2019, Immediate's platform is supported by seamless integrations with payroll, workforce management, and banking systems. By improving access to earned income in between traditional paydays and reducing financial stress, Immediate helps organizations strengthen engagement, retention, and financial well-being.

Value to Banks

• Increase Deposits – DDA requirements drive new deposits and stronger primary banking relationships.
• Lower Acquisition Costs – Earned Wage Access attracts new account holders and encourages direct deposit.
• Create New Revenue Streams – Generate revenue through EWA transactions, payment rails, and other banking opportunities.
• Grow Real-Time Payments – Increase RTP and OCT transaction volume with an estimated 88% of transfers occurring in real time.
• Support CRA & ESG Goals – Expand financial access while advancing CRA and financial wellness initiatives.
• Simplify Direct Deposit Switching – Streamlined workflows make it easy for customers to move direct deposits and activate new accounts.

Core Capabilities/Product Features

• Increase customer engagement and digital banking usage
• Grow and retain deposits within your institution
• Differentiate the banking experience with an in-demand financial wellness benefit
• Strengthen customer loyalty by offering a responsible alternative to costly financial products
• Launch a proven Earned Wage Access solution quickly without building it internally