Positive Pay
Fraud Prevention
Reduce Your Risk of Check & ACH Fraud. Protecting your business from potential check and electronic transaction fraud is easier now more than ever with our Positive Pay services.
Check Fraud Detection
The system matches checks presented for payment against a list of checks your company inputs in the system. Checks that are not in the list of authorized checks are presented as an exception to allow you to pay or return.
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ACH Fraud Detection
You create rules for electronic items to alert you to potential fraud. Items that do not meet the rules are presented as an exception to allow you to pay or return.
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Check & Account Reconciliation
Account reconciliation tools provide a quick way to reconcile your accounts enrolled in Positive Pay. Additional tools for check reconciliation are provided to list the checks that are outstanding, paid or issued.
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Reporting
A variety of reports are available in various formats.
- Any business can utilize Positive Pay
- No software is needed
- Access Positive Pay through Business Online Banking
- Identify potential fraud items quickly preserving your funds
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1 Subject to approval. Transaction fees may apply. Cutoff time is 5:30 PM PST.
2 Wire Fees: Fees will apply for outgoing and incoming wire transfers. Please speak with a bank representative for additional information or refer to the Business Online Banking Service Agreement and current Fees and Charges schedule.
Deadlines: Domestic and International wires initiated by visiting a branch or through other means by 1:00 PM PT, or online by 12:00 PM PT, will be processed that day. Wire transfers initiated after that time (the “cut-off”) or during weekends or Federal holidays will be effective the following business day.
3 Subject to approval. Transaction fees may apply. Cutoff time for Same Day ACH is 10 AM PST.
4 Data and text messaging charges from your mobile carrier may apply.
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