Positive Pay

• Check Positive Pay: We compare every check presented for payment against your issued-check file (including check number and dollar amount). Any discrepancies are held for your personal review.
• ACH Positive Pay: Set up "filters" and "blocks" to manage electronic debits. Only authorized vendors can pull funds, ensuring your payroll and operating accounts stay secure.

• Signature Service: You aren’t a number in a queue. If a suspicious item is flagged, you have a direct line to your local commercial banker.
• Real-Time Alerts: Receive immediate notifications on your mobile device so you can make "pay or return" decisions from anywhere, the office, home, or even a ballgame.

How does Positive Pay work to prevent check and ACH fraud?

Positive Pay acts as a digital gatekeeper through a "digital handshake" process. When your business issues checks or schedules ACH payments, you upload a file to our secure Treasury Management portal. When a transaction is presented for payment, our system automatically compares it against your authorized list. If the check number, dollar amount, or ACH originator doesn't match, the item is flagged as an "exception," and we alert you immediately to "Pay" or "Return" the item.

What is the difference between an ACH Filter and an ACH Block?

Both are critical components of ACH Positive Pay. An ACH Block is a total security measure that stops all electronic debits from hitting an account. An ACH Filter is more flexible, allowing you to "whitelist" trusted vendors—such as utility companies or payroll providers—while automatically blocking and flagging any unauthorized attempts from unknown sources.

What happens if I miss a fraud exception notification?

To ensure your account remains protected even when you are away from your desk, we provide real-time alerts via text and email. During setup, you can establish "default instructions" for your account. If a decision isn't made by the daily cutoff time, our system will follow your pre-set preference (either "Return All" or "Pay All"), ensuring a security gap never exists.

Why should a small business invest in Positive Pay?

For small businesses with lean teams, Positive Pay provides 24/7 automated monitoring that manual reconciliation cannot match. Because a single fraudulent ACH or "washed" check can clear an entire operating account, Positive Pay is a critical safeguard.