Deposits & Accounts
Module
Optimize deposits, payments, and everyday banking; on a cloud-native, composable core.
Unify deposit products, automate operations, and connect cards and cheques end-to-end; so you can launch faster, run leaner, and deliver exceptional customer experiences.
Why choose Fimple for Deposits & Accounts
Composable & API-first foundation
Cloud-native performance
Unified deposits, cheques, and cards
Manage time, demand, and overdraft accounts alongside cheque flows, salary accounts, card ops, and even nostro/vostro; on one platform.
End-to-end automation
From account opening and interest calc to settlement and accounting postings, reduce manual work and errors.
Seamless third-party connectivity
Plug into processors and external services with standardized integrations.
Deposit Management
Streamline the full lifecycle of retail, SME, and corporate deposit products time, demand, and overdraft, with built-in automation and controls
Highlights
- Account opening & KYC hooks via APIs
- Interest accruals & postings (configurable methods and cycles)
- Fees & charges application and reversals
- Statements, holds, blocks, and limits
- Automated EOD/period-end processes and GL postings (out-of-the-box accounting integration)
Cheque Management
Control the entire cheque lifecycle with speed and accuracy—from issuance to clearing—improving operational efficiency and trust.
Highlights
- Cheque book issuance & inventory
- Deposit, collection, return, and stop-payment workflows
- Validation rules and exception handling
- Automated status updates and audit trails
Card Integration
Connect to payment processors and schemes for secure, scalable debit/credit operations, with automated clearance, settlement, and accounting.
Highlights
- Processor connectivity & scheme support (multi-scheme ready)
- Authorization, clearing, and settlement orchestration
- Fee/FX handling and dispute workflows
- Real-time postings to the core & GL
Key Features of Fimple’s Deposits and Accounts Management Module
Flexible Account Product Setup
Design and launch demand, time, overdraft, salary, SME, and corporate accounts using configurable rules; no custom development required. Product variations can be introduced quickly without disrupting existing portfolios.
Configurable Interest & Fees Engine
Fully configurable interest calculation methods, cycles, tiering, fees, penalties, reversals, and exceptions; allowing banks and NBFIs to adapt pricing strategies instantly to market or regulatory changes.
Real-Time Account Controls
Apply holds, blocks, limits, and restrictions in real time across accounts, ensuring risk control, regulatory compliance, and customer protection without operational delays.
Automated Accounting & GL Posting
Every account activity; interest accruals, fees, settlements, card clearings, cheque movements is automatically reflected in accounting entries and general ledger postings, ensuring financial accuracy and audit readiness.
Integrated Cheque Processing
Cheques are managed as part of the account ecosystem, not a separate process; enabling seamless posting, status tracking, exception handling, and reconciliation directly against customer accounts.
Omnichannel Account Services
Deliver consistent account services across mobile, web, branch, and API-driven channels.
Loan After-Sale Services Module
Collateral Management Module
Limit Management Module
Fees and Charge Management Module
Financial Analysis Module
Credit Scoring Module
Deposit Account Management Module
Transfers & Remittances & SWIFT
Collection Management Module
Mortgage Management Module
Trade Finance Module
Treasury & Cash Management Module
Cheque Management Module
Third-Party Management Module
Accounting Module
Card Integration Module
Payments Module
Fimple’s Loan After-Sale Services ensures seamless post-disbursement loan management by providing financial institutions with advanced tools for loan restructuring, refinancing, and closure. Designed to adapt to dynamic customer needs and regulatory requirements, this module enhances customer retention, operational efficiency, and portfolio performance.
Simplify and optimize financial charge management with Fimple’s Fees and Charges Management Module. Designed for flexibility and precision, this comprehensive solution enables institutions to define, calculate, and apply fees seamlessly across a variety of products and services. By automating processes and ensuring transparency, Fimple helps enhance revenue streams while building customer trust and satisfaction.
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Discover Other Powerful Modules of Our Platform
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With the Fimple Customer Management Module, you can reimagine customer experiences, build stronger relationships, and achieve long-term growth. Ready to take your customer management to the next level?
Cost Reduction
No servers to purchase or maintain, you can make a smooth transition to the cloud.
Minimize Risk
It’s not only secure and compliant, it can eliminate the possibility of data breaches from unsecured endpoints.
Easy to Control
Scale
Keeps you focused on the big picture, saving you time and money.
Works seamlessly with the rest of your core
Hook Deposits & Accounts into Payments, Accounting, Third-Party Management, and digital channels for a cohesive experience across different banking verticals.