Positive Pay
Reduce check fraud and keep your business secure.
Positive Pay gives you peace of mind.
Why Positive Pay?
Positive Pay in an automated fraud detection tool for business checking accounts that monitors check and ACH transactions. This service ensures that funds are not released from your checking account unless specific information on each check presented for payment exactly matches the list you provided to us electronically.
Positive Pay at Work
Here’s an example of Positive Pay in action: Let’s say your company issues a check to a vendor for $500 that was later altered to appear as a $5,000 check. Positive Pay will catch the transaction and give you the option to authorize the bank to return the fraudulent check before it is paid out of your business checking account.
How to Use Positive Pay in 4 Easy Steps
- Import your list of issued checks.
- Positive Pay compares the check activity to the file you submitted.
- A list of exceptions is generated, i.e. duplicate transaction, amount discrepancies, and check number mismatch.
- You choose to pay or return exceptions through Online or Mobile Business Banking.
Our Cash Management Team
Protect your business against fraud. Our Cash Management Services team is always ready to lend a hand or provide hands-on instruction. Call or stop in today to get started.

Luann Backlund
1920 N. Sanborn Blvd.
Mitchell, SD 57301
605-995-4631

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