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You’ve devoted a lot of time and hard work into building your business. Protect it with Positive Pay, your first line of defense against fraud.

Protect your business from fraud with Positive Pay, a feature that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued.

The percentage of companies impacted by fraud has steadily increased year-over-year, according to the annual Payments Fraud and Control Survey completed by the Association for Financial Professionals. Get ahead of this problem before it’s too late by safeguarding your bottom line with Positive Pay*.

How it works:

When you enroll in Positive Pay, we’ll mitigate your fraud risk by monitoring your check and ACH payments for unexpected activity and provide you with the opportunity to electronically approve or deny payments we’ve flagged as out of the ordinary.

We’ll compare your payments.
We compare each check and ACH payment against your list of authorized transactions. If any of these payments are not on your list, they’ll be flagged as exceptions.

You’ll approve flagged payments easily and securely.
You’ll receive an email notification that an exception item has been presented for payment. Then you’ll have the opportunity to log in to the FAIRWINDS Business Banking Suite, view an image of the payment and either approve or deny the transaction.

Our branches will validate payments on the spot.
Check-cashing activity that takes place at our branches will be validated by Positive Pay in real-time against your authorized payments, alerting our crewmembers if the item presented for payment will be flagged as an exception.

We’ll provide you with a bird’s eye view.
See the big picture with comprehensive reporting by logging in to your FAIRWINDS Business Banking Suite and downloading full reports of your exception items, paid checks, ACH transactions, payee names and more.

You’ll enjoy added peace of mind.

*Service charge applies.