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Protect Your Business Account with Positive Pay Fraud Protection

Help protect your business from check and ACH fraud with Positive Pay. Review transactions, make pay-or-no-pay decisions, and add an extra layer of control over your operating account.
Contact a Business Development Officer

Why Fraud Prevention Matters

Your business works hard to build trust with customers, vendors, and employees. Protecting your accounts from fraud is an important part of protecting everything you've built. Whether you issue checks, send ACH payments, or both, having the right safeguards in place can help you spot suspicious activity before it impacts your business. That's where Positive Pay can help.

Protect Your Business with Positive Pay Benefits

You work hard to keep your business running smoothly, and Positive Pay helps you stay one step ahead of payment fraud. Conveniently accessed through Online Business Banking, it identifies checks and ACH debits that don’t match your established criteria, giving you the opportunity to review exception items and make pay or no-pay decisions before payments are processed. This added layer of protection works alongside your existing payment controls, helping you manage cash flow with greater confidence.

  • Help identify suspicious check and ACH activity
  • Review exception items and make timely pay or no pay decisions
  • Add another layer of protection for your business accounts
  • Strengthen your existing payment controls and approval processes

 

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Check Positive Pay

Help protect your business from counterfeit, altered, duplicate, and unauthorized checks. As checks are presented for payment, they're compared against the check issue information you've provided. If a check doesn't match your records, you'll have the opportunity to make a pay or no pay decision.
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ACH Positive Pay

Reduce the risk of unauthorized ACH withdrawals and payments redirected to fraudulent accounts. ACH transactions are compared against the approved originators and dollar limits you've established. If an ACH transaction doesn't meet your criteria, you'll have the opportunity to make a pay or no pay decision.

Find the Right Fraud Protection for Your Business

When it comes to protecting your business, there's no one-size-fits-all solution. Our local Business Development Officers will take the time to understand your business, answer your questions, and recommend the Positive Pay services that fit the way you work.
5 Star on blue background

Michael D. Morley

Corporate Treasurer, Longchamps, LLC

St. Mary’s Bank’s online banking platform is exceptionally reliable and secure. The interface is consistently stable and allows for seamless management of our financial activity without disruption. We rely on their site daily to manage our corporate accounts.
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