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Positive Pay

Protect your business bank accounts from check and ACH fraud with our Positive Pay business tool.

Positive Pay gives business checking customers a business-critical tool to help prevent fraudulent transactions from being processed. Here’s how it works.

Protect against check fraud

Protect your account against the expense and hassle of forged and fraudulent checks with Positive Pay. It’s a smart investment in the security of your ACH debits, credits, checks, and your business. Positive Pay helps prevent check fraud from:

  • Counterfeit checks
  • Altered checks (payee or dollar amount)
  • Forged signature
  • Stolen blank checks

Guard against ACH debit and credit fraud

Step up your account security with next-generation protection. ACH Debit & Credit Positive Pay alerts you to unauthorized transactions, lets you flag them in real time and automatically populates an ACH filter for future transactions. You get:

  • ACH activity tracking with convenient, configurable alerts
  • Seamless access to Positive Pay via single sign-on digital banking
  • Control over authorized transactions for business and consumer accounts
  • Fast and easy additions of originators to approved and blocked lists
  • Default pay/return settings to ensure instructions are carried out

Positive Pay Fees

Products

Features

Fees

Check & ACH Debit Fraud Protection

Monitor and receive alerts for check and ACH debit exceptions and transactions

$50 per month

ACH Credit Fraud Protection

Monitor and receive alerts for incoming ACH credits

$15 per month

Frequently Asked Questions

A few common questions, answered.

Unfortunately, fraudsters and scammers act quickly and rely on accountholders not reviewing their transactions closely or frequently. Banks only have a 24-hour period to reverse any potential fraud. So having a tool that sends daily alerts to analyze transactions could potentially save you thousands and a headache. The $50 subscription fee could pay for itself off with only one fraudulent $600 charge.

If you are already enrolled in Business Digital Banking, please call 636-940-5555 and request to speak to product support to be enrolled in Positive Pay. The enrollment process takes only a few minutes.

Users can change their decision and pay for the item themselves before 11:00 a.m. However, we cannot guarantee those funds will be returned.

If you are checking your account online every day and reviewing alerts from Positive Pay, you should be able to catch all fraudulent transactions. Users can change their decision and pay for the item themselves before 11:00 a.m. However, call product support at 636-940-5555 as soon as possible should fraud occur.

Yes, but we strongly encourage enrollment in ACH debit and check Positive Pay to avoid taking the liability for a fraudulent ACH or check transaction.
  • Check your transactions daily to ensure all ACH debits and checks posted to your account are legitimate.
  • Review transaction details to ensure the dollar amount, check number, and payee info are correct.
  • Review check images to ensure authenticity.
  • Provide consistent oversight over individuals writing checks in your organization and individuals verifying transactions. We recommend you provide a separate person to verify transactions from the individual who writes checks as an added security measure.
  • Review peer-to-peer cash transactions daily if your business relies on tools like Venmo, Zelle, or CashApp.
  • Set procedures to lower the possibility of your mail being stolen. Retrieve your mail promptly and review its contents to ensure checks are not lying around where they can be stolen. If mailing a check, drop these off directly at the post office instead of collecting them in a place accessible by others pre-shipment.

Yes! Call product support at 636-940-5555 if you need help setting up multiple alerts or a Positive Pay feature.

  1. Go to Digital Banking.
  2. Under Log in, click “Business Banking Enroll.”
  3. Once you have read the disclosure, click “I have read the above disclosure, agree to the terms and would like to proceed with online registration” and “I Agree.”
  4. Fill out the form and click “Continue.”
Please allow 1 – 2 business days for for Business Digital Banking to be activated.

Disclosures

All products and services are subject to approval, including credit approval.