Fraud Tools

Mitigate Fraud Risk With Positive Pay, ACH Filters and ACH Blocks

We will help you save time, retain your reputation and protect your business from fraud.

Positive Pay Processing

Positive Pay enhances cash control and minimizes risk from unauthorized or altered checks.

Positive Pay is a fraud prevention tool that minimizes the risk of loss from check fraud. Checks you have written are systematically compared to checks that are presented for payment to detect those that do not match on check number, dollar amount and payee. On a daily basis, you access an exception report to view any discrepancies and you make the decision to pay or return the checks.

Features and Benefits

  • Positive Pay can be utilized by any business that writes checks, regardless of size
  • No software to download
  • Access the Positive Pay web site daily and make pay or return decisions on any items that show as exceptions
  • Allows the identification of potential fraudulent items quickly vs. waiting until you receive your monthly statement and then identifying a problem.

How it Works

  • Upload your check issue file through the Positive Pay application in Online Banking
  • Access the Positive Pay web site daily and make pay or return decisions on any items that show as exceptions.
  • Identify potential fraudulent items

ACH Blocks and Filters

ACH Filters

Set various criteria to authorize certain ACH debit and/or credits to post to your company's account while excluding others.

ACH Blocks

Block all ACH debits and/or credits from posting to your company's account(s).

Simply notify us what ACH transactions, if any, should be permitted to post to your company's checking account. Any transaction presented that is not specifically permitted will be presented to you as an exception item, allowing you to pay or return.

Benefits

  • Minimize managing unauthorized ACH transactions that have posted to the company business checking account
  • Allows your company to control the list of permitted ACH transactions for the company business checking account

Fraud Resources

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