Check Positive Pay (Positive Pay)

Protect your business from check fraud

Upload

Submit an electronic file each time you issue checks.

Personalize

Payee Positive Pay is an optional service that adds a payee's name onto the check.

Approve

Exceptions are presented to you for approval.

how it works

Advanced protection

Check Positive Pay examines each check and reports any irregularities found 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.

Compare

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 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. You decide to pay or return by 3:30 pm ET

We review checks presented and paid by the bank. You decide to pay or return by 3:30 pm ET

Fraud Detection of Physical Checks (presented at branch)

Service available

N/A

Payee Positive Pay

Service available

N/A

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Normal bank approval applies.

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