Advanced Fraud Protection for Your Business Accounts
Protecting your business from fraud is more important than ever. Positive Pay from American Community Bank & Trust is a powerful treasury management solution designed to help you detect and prevent unauthorized transactions before they impact your business. By reviewing checks and ACH items presented for payment against your issued records, helps ensure that only valid transactions are processed, giving you greater control, visibility, and peace of mind. If you're ready to strengthen your fraud protection strategy, our treasury management team is here to help. Connect with us to get started.
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Why Positive Pay Is Valuable for Business Owners
Fraud and unauthorized transactions can disrupt operations and create significant financial risk. Positive Pay provides an automated, proactive approach to monitoring activity and identifying discrepancies before funds leave your account. For many businesses, this solution is essential for:
- Reducing fraud risk by identifying mismatched or suspicious transactions
- Improving cash flow control and recieving exception alerts.
- Streamlining reconciliation processes with automated check and ACH matching
- Enhancing operational efficiency by reducing manual review and errors
When an item does not match the information you've provided, an exception is created and you are notified, allowing you to approve or return the transaction.
Why Choose American Community Bank & Trust
With Positive Pay, you gain access to a comprehensive fraud prevention system backed by local expertise and responsive service:
- Dual protection for checks and ACH transactions in one integrated solution
- Automated matching of dollar amount, check number, issue date, and payee
- Flexible input options with file uploads or manual entry
- Customizable reporting for better visibility and recordkeeping
- Dedicated platform within Digital Banking for easy access and control
Our treasury management team works with you to ensure your solution is configured to meet your business needs and risk profile.
Features of Check & ACH Positive Pay
Product | Designed For |
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Check Positive Pay | Businesses that need to automate check reconciliation, simplify accounts payable, reduce risk, and want daily account monitoring. Features include:
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ACH Positive Pay | Businesses that want sophisticated service to reduce risk, be in control of ACH clearance, and streamline accounts payable. Features include:
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