Positive Pay

Detect and Return Fraudulent Checks 

Positive Pay is a web-enabled check verification service that helps reduce the risk of loss from check fraud by reviewing exception items and returning checks you deem fraudulent. Features include:

  • Providing an exception list for authorized online banking users to approve or return
  • Verifying checks presented for payment by amount, check number, and issue status
  • Reviewing check images to confirm checks have not been altered

  • Streamlining the account reconciliation process

Related Links

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BUSINESS ONLINE BANKING
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How It Works

Accessing Positive Pay

Follow these steps if you are an authorized user for Positive Pay.

  • 1
    Log into business online or mobile banking1
  • 2
    Via online banking, select the ‘Checks & Deposits’ tab and then ‘Positive Pay’
  • 3
    Via mobile banking, select ‘Approvals’ then ‘Positive Pay Exceptions’

Upload an Issued Check File

  • 1

    Select the ‘Overview’ tab of Positive Pay

  • 2

    Under ‘Import a File,’ select ‘Choose File’

  • 3

    Select a saved file from your computer; it must be in .csv comma delimited format

  • 4

    Select the template from the drop-down menu. If you don’t have a template created, contact our team for support.

  • 5

    Click ‘Next’

  • 6

    If the file is uploaded successfully, a green banner will appear. If errors exist, a red banner will appear, indicating the errors.

Positive Pay File Upload Screen Example

Manual Check Entry

  • 1
    Select the ‘Overview’ tab of Positive Pay
  • 2
    Under ‘Add an Item,’ select the account number for the check being entered
  • 3
    Enter the check information (i.e., check number, amount, payee)
  • 4
    Skip the reference number
  • 5

    Under Type, select ‘Issue’ for new checks

  • 6
    Select ‘Add Item’
  • 7
    If the check is entered correctly, you will see a green banner indicating it was successful. If errors exist, a red banner will appear, indicating the errors.

Frequently Asked Questions

You will need to review all exception items by 11:00 AM CST each business day. If no decision is made by the cutoff time, the item(s) will be paid or returned depending on your company’s default selection. 

An automated email notification will be sent at 7:00 AM CST. If a review has not been completed, a second email notification will be sent at 9:00 AM CST.

Checks that clear your account that are not added to the system will all become exceptions. You can upload or manually add check information after the fact to minimize the number of exceptions requiring review.

Additional Resources

PRODUCT GUIDES

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RESOURCE CENTER

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SECURITY CENTER

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1 Mobile banking can be used to decision exceptions; other Positive Pay functionality requires Online Banking access through a web browser.