Business security and fraud solutions

Check Positive Pay is a critical control designed to help protect against fraud. We offer three levels of service:

• Reverse Positive Pay: Gives you the opportunity to review and approve all presented checks before they debit your account. The system default is set to pay any items for which no decision has been made.
• Check Positive Pay: Helps ensure only pre-authorized checks debit your account. You enter or upload a list of checks issued on an ongoing basis. Payee name isn't scanned for this service. The system default is set to return any items for which no decision has been made.
• Check Positive Pay with Payee Validation: Helps ensure only pre-authorized checks debit your account. You enter or upload a list of checks issued on an ongoing basis. Payee name is scanned for this service. The system default is set to return any items for which no decision has been made.

Check Positive Pay processing cutoff:

• Check Positive Pay: 3 p.m. (ET) / 12 p.m. (PT)
• Positive Pay issue file: 8 p.m. (ET) / 5 p.m. (PT)

To get started, reach out to your relationship manager, financial center or treasury management sales officer.

ACH Positive Pay is a critical control designed to help protect against fraud by helping ensure only pre-authorized debit ACH transactions post to your account. Any ACH not previously authorized by you is presented for your decision. The system default is set to return any items for which no decision has been made.

ACH Positive Pay processing cutoff:

• ACH Positive Pay: 5 p.m. (ET) / 2 p.m. (PT)
• ACH Positive Pay filter: 8 p.m. (ET) / 5 p.m. (PT)

To get started, reach out to your relationship manager, financial center or treasury management sales officer.

We're here to help you act quickly. To report lost or stolen checks, contact treasury management services at 1.866.371.3831.

If you suspect fraud, contact us immediately. Reach out to your relationship manager, financial center, treasury management sales officer or call treasury management services at 1.866.371.3831.

For more information, visit our Security Center.

A strong security posture combines technology with disciplined processes. To help protect your business, consider these practices:

• Enable multi-factor authentication across all users.
• Review user access and permissions regularly.
• Train associates to identify phishing and social engineering.
• Separate duties for payment initiation and approval.
• Restrict user access to the minimum required.