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.
 

How it works

Advanced protection

Check Positive Pay examines each check and reports irregularities directly to you. This service is available within Digital Banking and Commercial Advantage.
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.

We compare every check presented for payment against the cumulative electronic file.

Checks that don't match this list are presented within Digital Banking 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 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 1:00 pm ET We review checks presented and paid by the bank, and you decide to pay or return by 1:00 pm ET
Payee Name Verification
Service available Not applicable
 











Business Digital Banking

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