Abstract: A method performed by a server executing an algorithm to render access to funds in real time from one or more deposits, which the funds may be withdrawn from user's opened account. The method including the steps of evaluating user's banking relationship for eligibility in a financial institution, performing a real time fraud review on the real time deposit by directly querying a fraud database to clear a likelihood of fraudulent transaction for insufficient funds and verifying payer's legitimacy, determining an approved amount (or a percentage) of the deposits available for real time access based on decisioning criteria and user's deposit balance in the opened account. Once cleared, the user may access funds in real time from the deposit up to the daily approved limit, without being levied a service charge or interests on the withdrawn amount.