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Positive Pay

Reduce Check Fraud

Positive Pay is a treasury management tool that helps reduce the risk of fraud by reviewing checks and/or ACH items presented for payment before they clear your account. If any information does not match the check or ACH information, an exception will occur and you will be notified via email and/or text. We offer two solutions to help protect your business.




Positive Pay Premium

-Matches the dollar amount, check number, issue date, and payee

-Customized reporting

-Exceptions sent via email or text

Dedicated platform accessible via Online Banking

Businesses that need to automate check reconciliation, simplify accounts payable, reduce risk, and want daily account monitoring.
ACH Positive Pay

-Matches the dollar amount and issue date

-Customized reporting

-Exceptions sent via email or text

-Set up approved and blocked lists by vendor or amount

-Dedicated platform accessible via Online Banking

Businesses that want sophisticated service to reduce risk, control ACH clearance, and streamline accounts payable.

Where Business Banks

Since 2000, American Community Bank has been dedicated to helping businesses in Northeast Illinois grow and thrive. We pride ourselves on being more responsive, agile, flexible, and attentive than the bigger banks. Are you looking for business fraud protection? Contact us to learn more about how Positive Pay can safeguard your business transactions!