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Positive Pay

Protect Your Business from Check Fraud

Positive Pay

Positive Pay is an automated fraud detection tool that provides unmatched security against check fraud. By matching the checks your business issues against those presented for payment, discrepancies are identified, and you are alerted in real-time, enabling you to take immediate action.

Who It’s For

  • Small to Large Businesses: Any organization that issues checks can benefit from the security of Positive Pay.
  • Nonprofits: Protect donations and funds with robust fraud detection.
  • Government Entities: Ensure taxpayer funds are securely managed with real-time monitoring.

How It Works

  1. Provide Check Details: When you issue checks, simply provide us with the check details, including payee, amount, and check number.
  2. We Monitor Transactions: As checks are presented for payment, we compare them against your provided information.
  3. Alerts for Discrepancies: If any discrepancies are found, you’re alerted and prompted to make a pay/return decision.
  4. Easy Decision Making: Review exception items and decide whether to pay or return them right from our online platform.

Frequently Asked Questions

What if I forget to provide check details?

We offer the ability to add checks manually if you’ve missed adding them initially.

How quickly will I be notified of a discrepancy?

You’ll be notified immediately upon detection, giving you timely control.

Features & Benefits:

  • Real-time Fraud Detection: Any check presented that doesn’t match your issued check information is flagged, and you are alerted.
  • Customizable Options: Choose from different matching criteria including amount, check number, and payee name.
  • Ease of Use: Upload issued check information through our online banking platform, and review exception items with a simple click.
  • Detailed Reporting: Access comprehensive reports and histories, giving you a clear view of your check transactions.
  • Enhanced Control: You decide whether to pay or return any unmatched checks.
  • Compliance and Audit Support: Easily adhere to regulations and internal control requirements.