Reverse Positive Pay

Fraud prevention tools to simplify protection

Low activity

For a low volume of check activity.

Simplicity

Easily review previous-day check images.

Prevention

Return checks paid from your account that appear fraudulent.

how it works

Simplify protection

Reverse Positive Pay simplifies account reconciliation activity related to checks presented for payment. This fraud management tool is available within Commercial Advantage and Digital Banking.

Review

Each business day, you're presented with all paid checks from the previous business day in Commercial Advantage and Digital Banking.

Identify

Review all paid checks from the previous day to determine if they should be returned or rejected.

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

You review checks presented and paid by the bank, and 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.

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

NMLSR ID 503941