Positive Pay | American Community Bank & Trust

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, Positive Pay 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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Features of Check & ACH Positive Pay

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

Product

Designed For

Check Positive Pay

Businesses that need to automate check reconciliation, simplify accounts payable, reduce risk, and want daily account monitoring. Features include:

Matches the dollar amount, check number, issue date, and payee
Upload files or manually enter check details
Customized reporting
Dedicated platform accessible via Digital Banking

ACH Positive Pay

Businesses that want sophisticated service to reduce risk, be in control of ACH clearance, and streamline accounts payable. Features include:

Allows you to have control over ACH debits and credits
Set up approved and blocked lists by vendor
Customized reporting
Dedicated platform accessible via Digital Banking

Frequently Asked Questions

Why is Positive Pay valuable for my business?

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 receiving 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 should I choose American Community Bank & Trust for Positive Pay?

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.

Contact Us

Reach out to our Treasury Management team today to get all your questions answered.

Positive Pay Inquiry

Additional Treasury Management Solutions

CheckSync

Automates Positive Pay check-file uploads by integrating with QuickBooks, saving time and reducing manual work.

Learn More

ACH Processing

Send and receive electronic payments quickly, securely, and without paper checks.

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Remote Deposit Capture

Deposit checks directly from your office using a scanner, without a trip to the bank.

Learn More