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Secure Your Payments with Positive Pay

Positive Pay helps safeguard your accounts by validating check and ACH payments before they clear. Simply upload your check data in online banking, and the system will automatically monitor and verify transactions to prevent fraud.

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What is Check Fraud?

Check fraud happens when criminals steal, alter, or forge checks to steal money. Recently, mail theft has fueled a surge in check fraud—reports nearly doubled last year, with 65% of U.S. businesses affected. Thieves often use chemicals to erase payee names and amounts before rewriting checks for larger sums. Learn how FSCB can help protect your business from fraud. 

 

How Does it Work?

check
1. Enter Check Info/Submit Before It's Cashed
You can type in or upload a file with details about your check:
  • Check number
  • Amount
  • Payee Name
  • Date
You need to upload this info through Digital Banking before the check is expected to be processed.
validation
2. Validation Process
  • If someone brings the check to an FCSB branch, they’ll check it against your uploaded info.
  • If it’s processed somewhere else, it’ll be checked overnight.

 

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3. Exceptions (Something Doesn’t Match)
If any of the check details don’t match what you uploaded, it’s flagged as an “Exception Item.”

  • Available to review in Digital Banking as early as 6 AM.
  • You must decide to Pay or Return exception items by 11 AM via Digital Banking.
  • You must confirm or fix the info by 11 AM using Online or Mobile Banking.

 

Benefits of Using Positive Pay

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Secure Steps
  • Fraud Prevention: Positive Pay is primarily designed to protect businesses from check fraud and unauthorized ACH transactions. It works by matching checks presented for payment against a list of checks issued by the business. If details don’t match (check number, amount, payee, and date), the bank flags the item for review. This prevents counterfeit, altered, or duplicate checks from clearing.
  • Financial Security & Peace of Mind: By stopping fraudulent checks before they clear, Positive Pay reduces the risk of financial loss and helps maintain cash flow stability. Businesses gain confidence knowing their accounts are monitored with an extra layer of security
  • Operational Efficiency: Positive Pay automates the verification process, saving time compared to manual fraud checks. Exception items are flagged for quick review, allowing businesses to focus on core operations instead of fraud management
  • Customizable Protection: There are multiple features of Positive Pay:
    • Check Positive Pay: Matches check number, amount, issue date, and account.
    • ACH Positive Pay: Extends fraud protection to electronic payments.
    • ACH Filters: Create ACH filters to allow ACH Debits/Credits to process and post to the account without daily decisioning. Items that are not included in a pre-set filter will be displayed as an ACH Positive Pay Exception to be reviewed and then paid or returned. ACH Blocks - An ACH Block allows you to block ALL ACH debits and/or ALL ACH credits posting to your account.

Frequently Asked Questions

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