Managing Your Money

ACH Positive Pay

Summary of service

ACH Positive Pay helps you protect against electronic fraud by blocking and returning any ACH transactions you choose not to authorize.

Essentials to know

  • Your service will be available through First Citizens Commercial Advantage.
  • Your exceptions will be available for decisioning on July 19, 2022.
  • The cutoff time for decisioning items in Commercial Advantage is 3:30 pm ET.
  • Your alerts didn't transfer to First Citizens. Set up the ACH Positive Pay alerts you rely on in Commercial Advantage starting July 18. See the Alerts Quick Reference Guide (PDF) for step-by-step instructions on setting your alerts.

Additional resources

Positive Pay Quick Reference Guide

Here's everything you need to know to get started.

Alerts

Learn how to add an alert, add a recipient and set up immediate alerts when certain conditions occur.

Creating an ACH Template

Use templates to choose how many approvers will be required for payments and if there's a maximum amount allowed.

Decisioning Positive Pay Exceptions

Learn how to view and decision your positive pay exception items.

FAQ

People often ask us

The cutoff time is 3:30 pm ET.

Files will load at 6 am ET, and you'll find your exceptions that require decisioning in Commercial Advantage under the Fraud/Risk Management tab. Establish fraud alerts to ensure you don't miss the decisioning cutoff time of 3:30 pm ET. For help setting up these alerts, visit the Alerts Quick Reference Guide (PDF).

Fraud alerts, such as ACH Positive Pay Suspect Items and ACH Positive Pay Cutoff Time is Approaching, should be established immediately on July 18, 2022. More information about alerts can be found in the Alerts Quick Reference Guide (PDF) or by viewing the Creating Alerts video.

ACH Positive Pay exception file load time is Monday through Friday around 6 am ET—excluding bank holidays.

ACH Full Block reports can be located in Commercial Advantage under Legacy Reports.

Learn more about creating ACH Authorizations for ACH Positive Pay in the Positive Pay Quick Reference Guide (PDF).

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941