Positive Pay: A Smarter Way to Prevent Check and ACH Fraud

Fraud Awareness: Protecting Your Regent Bank Accounts from Payment Fraud

Payment fraud—whether by check or ACH—is on the rise as criminals use advanced technology to imitate legitimate business transactions. These fraudulent payments are often designed to blend in with normal activity, making them difficult to catch during a quick review.

At Regent Bank, we encourage businesses to take a proactive approach by adding fraud-prevention services to their accounts—helping reduce financial loss while maintaining control over outgoing payments.

How Payment Fraud Happens Today

Fraudsters often rely on subtle changes that appear “close enough” to pass review, including:

• Altering payee names through check washing or digital edits
• Changing check amounts
• Reusing valid check numbers
• Intercepting checks from mailboxes or vendors
• Initiating unauthorized ACH debits that mimic legitimate transactions

Because these items can look familiar at first glance, strong controls and careful review are key.

How Regent Bank’s Positive Pay Helps

Positive Pay is a simple and effective way to avoid check and ACH fraud. This service helps protect your Regent Bank accounts from fraudulent checks and unauthorized ACH activity—reducing financial loss and liability while giving you greater control over outgoing payments.

How Positive Pay Works

Any payment that does not match your authorized information is flagged as an exception and made available for review through Business Online Banking.

You decide whether to:

Reject it before funds are released or Approve the item

Learn More About Positive Pay

Ready to Enroll?

Positive Pay is a powerful yet practical fraud-prevention solution designed to work with your daily operations—not disrupt them. If you have any questions or are ready to enroll, reach out to our Treasury Services team today. Contact Regent Bank Treasury Services at 918-488-0788 or [email protected].