Check Positive Pay (Positive Pay)
Keep your business safe from check fraud
Monitor your checks with Check Positive Pay
Check Positive Pay helps detect any fraudulent, altered or counterfeit checks through a daily verification process. Once the system verifies details, such as check numbers and dollar amounts, it reports discrepancies directly to you.
Upload
Submit an electronic file each time you issue checks.
Personalize
Payee Positive Pay is an optional service that adds a payee's name to the check.
Approve
Exceptions are presented to you for approval.
Advanced protection
Check Positive Pay examines each check and reports irregularities directly to you. This service is available within Digital Banking and Commercial Advantage.
Identify
Check Positive Pay matches the check number, dollar amount and account number against an electronic file provided by your business that contains a list of issued checks.
Compare
We compare every check presented for payment against the cumulative electronic file.
Review
Checks that don't match this list are presented within Digital Banking and Commercial Advantage for review. You determine whether they should be paid or returned.
See the difference
Compare the differences between Check Positive Pay and Reverse Positive Pay.
Check Positive Pay |
Reverse Positive Pay |
|
|---|---|---|
Check Activity |
Moderate to high check activity |
Low check activity |
Electronic File |
Send a list of your daily check run |
We send a list of checks presented for payment |
Check Matching |
We match presented checks against a history-to-date list of issued checks |
You match presented checks against a history-to-date list of issued checks |
Exceptions Notification |
Email notifications sent |
Email notifications sent |
Customer Check Approval |
We review checks presented and paid by the bank, and you decide to pay or return by 3:30 pm ET |
We review checks presented and paid by the bank, and you decide to pay or return by 3:30 pm ET |
Fraud Detection of Physical Checks (presented at branch) |
Service available |
Not applicable |
Payee Positive Pay |
Service available |
Not applicable |
Manage your business on the go
Manage your accounts from anywhere
Send and transfer money using ACH and wires
Receive account and security alerts
Manage your business on the go
Manage your accounts from anywhere
Manage your business on the go
Send and transfer money using ACH and wires
Manage your business on the go
Receive account and security alerts
