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As a business owner, you are used to keeping a close eye on your operations. You manage your team, serve your customers, and grow your footprint in the community. However, in today's world, even the most diligent "eyes-on" management isn't enough to catch modern financial fraud.

From "washed" checks to unauthorized electronic withdrawals, fraud has become automated. At First Liberty Bank, your defense should be just as sophisticated. That's why we provide Positive Pay, a digital gatekeeper designed to protect your bottom line.

What is Positive Pay?

Think of Positive Pay as a digital "handshake" between your business and our bank. It's an automated fraud detection tool that ensures no payment leaves your account unless you've specifically authorized it.

The process is straightforward: When you issue checks or schedule electronic payments, you upload a quick list to our secure Treasury Management portal. When a transaction is presented for payment, our system automatically compares it against your list. If the check number, dollar amount or payee doesn't match perfectly, we flag it. You then decide: Pay it or return it.

Two Pillars of Protection

We offer two layers of security to keep your payroll and operating accounts airtight:

Check Positive Pay

We compare every check presented for payment against your issued-check file. If someone tries to alter a check you wrote or present a counterfeit, we'll catch the discrepancy and hold it for your personal review.

ACH Positive Pay

ACH Positive Pay helps you control and review all incoming ACH debits before they post to your account. When an electronic debit is presented, the item is automatically held for your review. From there, you can decide whether to approve or return it.

As you review items, you can also create rules for future transactions from the same payee. These rules can include an approved dollar amount threshold, allowing matching items to post automatically without creating an exception. This gives you tighter control over unauthorized debits while reducing the number of items you need to manually review over time.

Why Oklahoma Businesses Partner with First Liberty Bank

We know you have many choices for banking in the metro area, but we pride ourselves on offering a superior level of service that national banks often overlook.

• Local Relationship Management: You aren't just a number in a tech support queue. If a suspicious item is flagged, you have a direct line to your local commercial banker here in OKC. We're here to help you navigate the decision.
• Real-Time Alerts: Fraud doesn't stick to a 9-to-5 schedule. You'll receive immediate notifications on your mobile device, allowing you to make "pay or return" decisions from the office, your home, or even a local ballgame.

Security for Growing Companies

A single fraudulent ACH or altered check can clear an entire operating account, which is especially devastating for small businesses with lean teams.

Protecting your business shouldn't be a second job. Let us provide the technology and the local support to keep your funds secure. Contact First Liberty Bank to get started!

Call an FLB Associate in Oklahoma City or Norman, or visit one of our branch locations!