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Border State Bank

Positive Pay

Do you have the tools in place to mitigate fraud and protect your business accounts?

Positive Pay

An effective tool to safeguard businesses from both check and ACH fraud.

Check Positive Pay

Provide details of the checks you issue: dollar amount, date, payee, check number
Checks presented for payment are compared against details you provided
If items don't match details you provide, the check will be flagged as an exception
Log into the Treasury Management Platform or the TM Mobile Experience to review your exception items

ACH Positive Pay

Establish rules for Companies that you want to allow to credit or debit your account electronically
If an ACH items is presented and is outside of your ACH Filter rules, the item is flagged as an exception
Log into the Treasury Management Platform or the TM Mobile Experience to review your exception items

TM – Check Positive Pay

Positive Pay

Positive Pay Benefits

Reduces losses incurred by check and ACH fraud that your business may otherwise be liable for if you fail to implement available services designed to identify and deter this type of fraud.
Puts you in control of pay or return decisions.
Conveniently decisioned exceptions while on the go from our TM Mobile Experience.
Email or text alerts notifying you of exception items.

Frequently Asked Questions

Is Positive Pay only for Checks?

No. You can implement Positive Pay for both check and ACH transactions.

How does the Positive Pay system know which checks I have issued?

Each time you issue checks, you will enter the issued check information through within the Treasury Management Platform.

You can upload an issued check file or manually enter individual issued checks.

When should I input Issued Item information?

You may enter issued items 24/7 within the Positive Pay system.

You should always enter issued items prior to distribution.

How does the Positive Pay system monitor my ACH transactions?

You will designate ACH Filter rules for companies that send debit or credit ACH items to your account.

You can build these rules as ACH items come into your account.

What is an exception item?

These are items for which you will make pay or return decisions. Examples of exception items are:

Checks that are not input into the system as issued items.
Checks that are duplicates of ones that have been paid.
Checks with no check number, check number does not match, or zero for a check number.
Checks with amounts that don’t match the issued items.
Checks where the payee does not match the issued items (if using payee verification for check positive pay).
Stale dated items.
ACH items that are outside of your ACH Filter rules.

What happens if I forget to review and decision my exception items?

Check exception items:
Your positive pay agreement includes a default decision—either Pay or Return.

If you don’t decision the check exceptions before the cutoff time, the exception item will be processed according to the established default. This means any unreviewed check exceptions will either be paid or returned automatically based on what you selected when your service was set up.

ACH exception items:
ACH exceptions work differently. The default decision is always Return. If you don’t decision an ACH exception by the cutoff time, the item will be returned automatically.

Reviewing exceptions from the TM Mobile Experience:
Exception decisioning can also be completed through the Treasury Management Mobile Experience, giving you another way to act before cutoff times.

How am I notified of exceptions?

Exception notifications are controlled in the Treasury Management Platform. When your profile is set up, you’ll be able to customize how you want to be notified under Notification Setup.

Is there a fee to use Positive Pay?

Yes, please contact your Business Bank to learn more.