FDIC-Insured – Backed by the full faith and credit of the U.S. Government
FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Payment fraud is evolving, and businesses of all sizes are targets. Our fraud prevention solutions help safeguard your accounts from unauthorized transactions. With Positive Pay and Reverse Positive Pay, you can verify every check and ACH transaction before it clears.
Positive Pay is a powerful check fraud prevention tool that matches checks presented for payment against a list of checks you’ve issued. When a mismatch occurs, the item is flagged for your review before payment is released.
You stay in control by deciding whether to pay or return suspicious checks, helping prevent altered, counterfeit, or unauthorized items from clearing your account.
ACH Positive Pay helps safeguard your account from unauthorized ACH debits by allowing only approved companies to debit your account. Any unrecognized or suspicious ACH activity is flagged for review before funds are withdrawn.
This service is especially valuable as ACH fraud continues to rise across industries.
Place the review process directly in your hands with Reverse Positive Pay. Daily, you will be provided with a list of checks presented for payment. This allows you to review activity and report any unauthorized or incorrect items before they are posted to your account.
This solution works well for businesses that issue lower volumes of checks but still want strong fraud protection.
Every business faces different risks. Our Treasury Management team will help you design a fraud prevention strategy that fits your transaction volume, payment methods, and internal processes.
| Feature/Use Cases | Positive Pay | ACH Positive Pay | Reverse Positive Pay |
|---|---|---|---|
Protects against check fraud | Yes | N/A | Yes |
Protects against ACH fraud | N/A | Yes | N/A |
Stops fraud before posting | Yes | Yes | Yes |
Requires issued-check file | Yes | No | No |
Daily manual review required | Only for exceptions | Only for exceptions | Yes (all checks) |
Best for high transaction volume | ★★★☆☆ | ★★★☆☆ | ★☆☆☆☆ |
Best for lower check volume | ★★☆☆☆ | ★★☆☆☆ | ★★★☆☆ |
Helps prevent cash flow disruptions | Yes | Yes | Yes |
Improves audit controls & reporting | Yes | Yes | Yes |
Accessed through Online Banking | Yes | Yes | Yes |
Employees play a key role by carefully reviewing and approving transactions through Positive Pay and monitoring ACH activity for anything unusual. They should verify payee details, amounts, and authorized vendors before releasing payments, and quickly flag any discrepancies. Following proper approval workflows and reporting suspicious transactions immediately helps prevent fraud and unauthorized withdrawals.