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Saturday Closure Alert

Effective August 3, 2024, our Huntley and McHenry locations will be closed on Saturdays. Deposits may still be made via the night drop. Saturday drive-up service is available at our Crystal Lake and Woodstock banks from 8:30 a.m. - noon.

Positive Pay

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! 

business woman

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. Our product combines two solutions to help protect your business.

Product

Features

Designed For

Positive Pay Premium
  • Matches the dollar amount, check number, issue date, and payee
  • Customized reporting
  • Dedicated platform accessible via Online Banking
  • Upload files or manually enter check details
Businesses that need to automate check reconciliation, simplify accounts payable, reduce risk, and want daily account monitoring.
ACH Positive Pay
  • Allows you to have control over ACH debits and credits
  • Set up approved and blocked lists by vendor or amount
  • Customized reporting
  • Dedicated platform accessible via Online Banking
Businesses that want sophisticated service to reduce risk, be in control of ACH clearance, and streamline accounts payable.