Free Positive Pay

Advanced fraud detection for your business

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Protect Your Business from Check Fraud

We care about the safety and success of your business, which is why we offer Positive Pay free of charge. As a community bank, we’re committed to providing enterprise-level fraud protection without the enterprise fees to help you succeed. 

Because Your Security Matters

  • Free with Cash Management Preferred Checking—comprehensive protection included 
  • No setup fees, monthly charges, or transaction costs for any business 
  • Free service lets you focus resources on growing your business 
  • Fraud prevention has been part of our community commitment since 1921 

Comprehensive Fraud Protection Options

  • Check Positive Pay matches numbers, amounts, and dates against your files 
  • ACH Positive Pay monitors electronic transactions with approved vendor lists 
  • Multi-user access with specific authority levels for different staff 
  • 365 days of historical data storage for comprehensive fraud analysis 
  • Stale-date monitoring prevents old checks from fraudulent presentation 

Complete Protection

Our Positive Pay Service is a comprehensive solution covering both check and ACH fraud and allows for verification of checks presented at our teller line.

Check Positive Pay

Matches checks you issue with those presented for payment, including check number, date, dollar amount, and payee name.

  • Check number verification 
  • Amount matching 
  • Date validation 
  • Payee name verification 
  • Exception reporting 

ACH Positive Pay

Monitors ACH debits using rules you establish, including approved vendor lists and customizable filtering criteria.

  • Approved vendor lists 
  • Blocked vendor lists 
  • Dollar amount limits 
  • Frequency monitoring 
  • Start/end date controls 

How Positive Pay Protects Your Business

Our fraud detection system works around the clock to monitor your business accounts, providing you with the tools and alerts you need to prevent unauthorized transactions.
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Automated Fraud Detection

System monitors every check and ACH transaction continuously

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Instant Email Alerts

Receive immediate notifications when suspicious activity occurs

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Multi-User Access

Team access with customizable authority levels for your staff

365-Day Data Storage

Full year of historical data for comprehensive fraud analysis

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Easy Integration

Works seamlessly with our business online banking system

Getting Started is Simple

We’ll work with you to set up the right fraud protection for your business. Our team provides personalized guidance and support tailored to your specific needs.

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Contact Our Cash Management Team

Speak with a specialist who’ll help you choose the right protection level for your business needs and transaction volume.
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Set Up Your Protection

We’ll configure your system and provide training to ensure you’re getting maximum protection from day one.
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Monitor and Manage

Use our easy-to-navigate platform to review exceptions and make pay or return decisions for flagged transactions.
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Protect Your Business Today

We’re here to help you succeed by providing the fraud protection your business needs. Contact our cash management specialists to learn more about our free Positive Pay service and get started today.

Contact Us

Positive Pay Questions & Answers

Get answers to the most common questions about our Positive Pay fraud protection service and how it can safeguard your business from check fraud.

Yes, we offer this service free of charge because we care about the safety and success of your business. There are no setup fees, monthly charges, or per-transaction costs.

When you issue checks, you enter the information into our system. As checks are presented for payment, we compare them against your file and alert you to any discrepancies.

ACH Positive Pay monitors electronic debits to your account based on rules you establish, including approved vendor lists and transaction limits you set.

We store 365 days of historical data, giving you a full year of transaction history for comprehensive fraud analysis and pattern recognition.

Yes, our multi-user access allows your team to review exceptions with specific authority levels you assign to different staff members.