Austin, Texas, October 6, 2026—Unifimoney, a leading investment platform as a service for community banks and credit unions, today announced Instant Deposit, a new feature that helps financial institutions give eligible customers and members faster access to invest against a pending bank deposit. Subject to limits set by their financial institution, users can invest a portion or all of an eligible deposit before the underlying transfer is complete.
Traditional ACH transfers can take time to settle, creating friction when a customer or member is ready to invest. Instant Deposit helps banks and credit unions address that delay by making eligible deposited funds available for immediate investing while the transfer is pending.
Instant Deposit can support robo-advisory contributions and eligible self-directed purchases of stocks and ETFs.The capability also advances Unifimoney’s broader efforts to modernize how customers and members move money into investment accounts. At the same time, Unifimoney is preparing its platform to support faster payment options, including The Clearing House RTP® network and the Federal Reserve’s FedNow® Service, as financial institutions expand their use of real-time payment rails.
“Consumers want the trust of their financial institution and a seamless investing experience—they shouldn’t have to choose between the two,” said Pete Rung, CEO of Unifimoney. “Instant Deposit lets customers act when they’re ready to invest, without waiting for a bank transfer to complete. For banks and credit unions, it’s another way to deepen customer and member relationships while keeping the entire experience within their digital platform.”
Instant Deposit is available through participating banks and credit unions that offer Unifimoney within their digital banking experience. Availability, eligibility, and deposit limits may vary by financial institution. The feature complements Unifimoney’s robo-advisory and self-directed investing capabilities, including access to stocks, ETFs, and cryptocurrency.
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Investment Advisory Services offered through Unifimoney RIA QOBZ, LLC, an SEC-registered investment adviser, are not FDIC or NCUA insured, are not deposits or obligations of the financial institution, and may lose value. All Brokerage and Clearing services are provided by, and securities are offered through, Apex Clearing Corporation, Registered SEC, FINRA broker dealer and member SIPC. Banking services are provided by First Fidelity Bank, Member FDIC. Cryptocurrency services are offered through Gemini Trust Company; digital assets are not FDIC or SIPC insured. Not all products are suitable for all investors. Please review our Form CRS and ADV filings, and visit www.unifimoney.com/legal for full disclosures and more information.
Instant Deposit provides eligible customers early access to a portion of a pending bank transfer for investing. The underlying transfer continues to process and typically completes within 2–5 business days. Instant Deposit funds may not be available for withdrawal until the transfer has fully settled. Eligibility and limits apply. Only one Instant Deposit may be active at a time.
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