Positive Pay Services
Protect your business from ACH and check fraud.
ACH positive pay
Arm your business with a proactive tool to deter ACH fraud. With our ACH positive pay service, you have the capability to allow or disallow automated credits and/or debits to your account. And you can set criteria for specific merchants. Any item that meets your criteria gets flagged as potentially fraudulent and is referred to you to decide to pay it or not.
- Stop fraud before funds leave your account
- Daily detection of suspicious ACH activity
- Reduced risk of financial loss
- Safeguarding for your company’s reputation
- Your business sets criteria to pay ACH items by setting rules based on
- transaction amount
- specific merchant
- if a transaction is a credit or debit
- When an item attempts to post to the account and is not within the set rules, an exception report is generated by the bank and sent to you.
- You decide to pay or return the ACH item.
Check Positive Pay
Keep check fraud in check. Our check positive pay service works by matching the checks your company issues with those posting for payment. Any item detected as potentially fraudulent is sent back to you for examination, and then you decide whether to pay or return it.
- Stop fraud before funds leave your account
- Daily detection of suspicious check activity
- Reduced risk of financial loss
- Safeguarding for your company’s reputation
- Your business uploads a file of all checks that are being disbursed.
- Our system verifies the payee, issue date, amount, and check number of the checks posting to your account against the uploaded file.
- The system generates an exceptions report with any potentially fraudulent items and sends to you.
- You decide to pay or return each item.
Learn more and enroll.
For more information about our positive pay services, please call us toll-free at 877-436-9032 or visit our contact page to find your local branch.
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