Reduce the risk of check and ACH fraud with proactive account monitoring and exception reporting designed to help safeguard your business.
At First International Bank & Trust, protecting your business is one of our top priorities. Positive Pay helps you detect potentially fraudulent transactions before they impact your account, giving you greater confidence and control over your finances.
Whether you're managing checks, ACH transactions, or both, Positive Pay provides an added layer of security by helping verify transactions and alerting you to exceptions that require your attention. Our Treasury Management team is here to help.
Positive Pay is a fraud prevention service that helps businesses identify unauthorized check and ACH transactions before they are paid from an account. It provides an additional layer of security to help reduce fraud-related losses.
Check Positive Pay compares checks presented for payment against your issued check file. The system verifies key information, such as check numbers, dollar amounts, payees, and issue dates. If a discrepancy is detected, you'll be notified and can decide whether to pay or return the item.
ACH Positive Pay allows you to create a list of authorized or unauthorized rules. If an exception occurs, you'll receive a notification and can review the transaction before making a pay or return decision.
Yes. Positive Pay sends automated email notifications and email or text reminders when exception items require your review, helping you respond quickly to potential fraud concerns.
Positive Pay is ideal for businesses and organizations that issue checks, use ACH payments, or want additional protection against payment fraud. A Treasury Management specialist can help determine the best solution for your needs.
Fraud attempts continue to evolve, but your defenses can too. Positive Pay helps you monitor payment activity, identify exceptions, and make informed decisions before transactions impact your account.
Contact our Customer Care Center below or at (800) 359-8092 and ask for Treasury Management to learn more about Check Positive Pay and ACH Positive Pay.