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Positive Pay

Positive Pay

Reduce check fraud with Positive Pay.

What is Positive Pay?

Positive Pay is 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.

For example, 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.


Positive Pay is easy to use.

  1. Import your list of issued checks.
  2. Positive Pay compares the check activity to the file you submitted.
  3. A list of exceptions is generated, i.e. duplicate transaction, amount discrepancies, and check number mismatch.
  4. You choose to pay or return exceptions through Online or Mobile Business Banking.

Protect your business against fraud.

Call or stop in today to get started.

Our Cash Management Services team is always ready to lend a hand or provide hands-on instruction.

Luann Backlund Photo
Luann Backlund
Cash Management Services Officer
1920 N. Sanborn Blvd.
Mitchell, SD 57701
Vicky Hauck Photo
Vicky Hauck
Cash Management Services Officer
120 E. Michigan St.
Spearfish, SD 57783

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