Positive Pay

protect your account with positive pay.

Positive Pay for Business protects against fraudulent checks and ACH transactions, safeguarding accounts, saving time, and providing peace of mind.

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or call us at 877-487-2977

Fully Insured Deposits

Innovative Solutions

Trusted Advisor & Partner

Why Choose Positive Pay?

Positive Pay offers comprehensive protection against fraud, helping to safeguard your business’s financial assets. The benefits include:

- Streamlined Operations
  Positive Pay enhances operational efficiency by automating fraud detection, simplifying the protection of your business’s finances.
- Positive Pay for Checks
  Set parameters to control which checks can be processed, allowing you to verify and approve checks before they clear.
- Check Payee Match
  This feature verifies payee names on checks against your records, ensuring only authorized payments are processed and reducing financial risk.
- ACH Capabilities
  Monitor ACH transactions and flag suspicious activity. With Positive Pay for ACH, you can set rules to control automated withdrawals and define limits for added security.

Key Benefits to Positive Pay

Cost Savings

The financial impact of fraud can be devastating for small businesses. Positive Pay helps mitigate these risks, potentially saving your business thousands of dollars.

Account Reconciliation

Save time balancing your account with reconciliation reports on available balances and outstanding checks. Positive Pay streamlines monthly account reconciliation, making it easier to stay on top of your finances.

Enhanced Fraud Protection

Positive Pay provides an added layer of defense, significantly reducing the risk of ACH or check fraud and ensuring your accounts remain secure.

Positive Pay Case Study

Don't just take our word for it—fraud happens, and every business should have Positive Pay as a safeguard. See for yourself how one local business successfully stopped $180,000 in fraud since 2023. Read the case study now!

Read the Case Study

Who needs Positive Pay?

Positive Pay is a powerful cash management tool that minimizes fraud risk for businesses that issue checks. It’s particularly beneficial for small and medium-sized businesses, non-profits, and organizations with smaller accounting teams that face challenges in segregating duties during the disbursement process.

With Positive Pay, clients can review their disbursement listings while signing checks and upload them directly to the bank, minimizing the risk of check alterations. ACH Positive Pay provides similar protection for electronic transactions, offering an additional layer of security for managing payments.

Companies that handle large transaction volumes or rely on checks for payments will especially benefit from this added protection.

Talk to a Deposit Specialist

Manage Your Finances with Ease & Confidence

Discover a full suite of cash management tools designed to streamline and optimize your business’s financial flow. Explore how we can help keep your business moving forward.

Learn More About All Our Cash Management Services

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Your banking needs are unique. We'll work with you to find the right solution.

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Positive Pay FAQs

ACH Positive Pay allows you to review incoming debits to either accept or return transactions that do not match your approved list before they are deducted from your account. This feature helps reduce fraud associated with electronic payments and allows clients to download and upload reports or use Positive Pay Reconciliation.

Our comprehensive cash management services include online and mobile banking, ACH origination, positive pay, domestic and international wire transfers, Remote Deposit Capture, Lockbox, Quickbooks Direct Connect, API Banking capabilities, and more. These services help businesses streamline and manage the flow of their businesses.