Positive Pay

Positive Pay is an automated fraud detection service that gives businesses control over check clearing. Customers have two options for processing:

• Upload Check File: Upload your issued check file (including check numbers, dates, and amounts) to the bank’s secure system. Items are processed automatically, and only checks that don’t match your file will appear as exceptions for review.
• No File Upload: If you do not upload a check file, every check presented for payment will appear as an exception requiring manual approval or rejection. If no action is taken on an item by the decision deadline, it will be paid.

This flexible setup allows your business to choose the level of automation and oversight that best fits your operations.

For more information, contact your local branch.

ACH Positive Pay

ACH Positive Pay is an electronic transaction monitoring and control system that reduces the risk of unauthorized ACH debits or credits. Businesses define their own authorization criteria—such as approved originators, transaction limits, or specific SEC codes—and incoming ACH transactions are automatically compared to these rules. Transactions not meeting the set parameters are flagged as exceptions, requiring approval or rejection prior to posting. If no action is taken, items will be paid in accordance with your account’s default handling instructions.

For more information, contact your local branch.