Reverse Positive Pay

Reverse Positive Pay is a fraud mitigation service which allows early detection of fraudulent, altered or counterfeit checks by creating and posting a daily report of presented checks to users of Small Business Digital Banking for payment approval.

Service Features

• Daily Check Presentation Alerts: Automatic notifications when checks are presented against an account.
• Check Review & Authorization: Secure online platform to view check details (check number, amount, payee, presented date), compare presented checks against check register, and authorize or decline each check.
• Decision Window for Exception Items: Approve/return decisions should be submitted each day, no later than 2:00 p.m. CT.
• Return Item Process: Return item and receive credit back to account for all decisions made to return a check (all checks will be returned as “Refer to Maker”).
• Decision Record: History of decisions available online.

Service Benefits

• Early Fraud Detection: Receive daily reports of all checks presented, allowing them to quickly identify and stop suspicious checks before they’re processed.
• Reduced Risk of Check Fraud: Minimize the chance of fraudulent checks clearing their account by actively monitoring all checks.
• Control over Transactions: Review every check presented for payment each day and make an appropriate pay or return decision.
• Suitable for Businesses of All Sizes: Small Business access to a comprehensive check monitoring system.

Getting Started

1. Prior to 2:00 p.m. CT, log in to the online portal of Digital Banking (feature not currently available in Mobile app).
2. For first-time users, under “Helpful Tools,” there will be an enrollment button for Reverse Positive Pay. Note: Only Fully Entitled Users have access to Reverse Positive Pay.
3. You will need to view both a high-level introduction to Reverse Positive Pay and a Legal Disclosure (which is required to proceed).
4. Once reviewed and you’ve agreed to the terms, you are now enrolled.
5. Select the “Reverse Positive Pay” tab.
6. Click “View Image” under "Today’s Transactions."
7. If you suspect the check to be fraudulent/modified, select “Return this Check."

For additional help call 888-382-4968.