Prevent Check and ACH Fraud Before It Happens
Positive Pay provides your business with a proactive layer of fraud protection by verifying every check and ACH transaction against a list of authorized items. Discrepancies surface as exceptions, and you decide whether to pay or return.
How Positive Pay Works
1
Enter Your Issued Check Information
Enter check details manually in Business Online Banking, or upload a check issue file generated by your accounting software. Access under Accounts > Positive Pay.
2
FSB Verifies Checks Automatically
As checks are presented for payment, FSB automatically cross-references each one against the issue file you submitted. Checks that match clear without interruption.
3
Receive Exception Notices
If a check does not match, such as the wrong amount, number, or payee, it is flagged as an exception and you receive a notice the following business day. Review your exceptions daily before 11:00 AM.
4
Pay or Return
Log in to Business Online Banking, review each flagged item, and decide whether to approve or reject the transaction. Exceptions not reviewed by 11:00 AM are automatically returned.
11:00 AM daily cutoff: Exception decisions must be submitted by 11:00 AM each business day. Items not reviewed by the cutoff are automatically returned to the presenting bank.
Positive Pay Coverage
Two layers of protection work together to cover both check and electronic payment fraud.
Check Positive Pay
Every check presented for payment is verified against your issued check file before it is cleared from your account.
- Upload issued check data manually or by file import
- Catches altered check amounts, forged payee names, and duplicate presentments
- FSB also verifies all checks presented at FSB branch locations through Positive Pay
- If discrepancies arise at the branch, FSB contacts your business before processing
ACH Positive Pay
Control which companies are authorized to debit your account via ACH. Any transaction outside your approved list is flagged as an exception.
- Maintain an approved ACH vendor list in online banking
- Unauthorized ACH debits surface as exceptions for review
- Set rules by company name, SEC code, or dollar threshold
- Provides an additional layer of security alongside check Positive Pay
Frequently Asked Questions
What happens if I miss the 11 AM exception cutoff?
+Exceptions not reviewed and submitted by 11:00 AM Central are automatically returned to the presenting bank. If you are aware of a legitimate payment that was flagged and missed the cutoff, contact FSB immediately at 319-377-4891. There may be a narrow window to reverse an automatic return depending on timing.
How do I upload my issued check file?
+Log in to Business Online Banking and navigate to Accounts > Positive Pay. You can upload a check issue file exported from your accounting software in several formats, or enter checks manually. The Positive Pay Quick Reference Guide linked below covers all supported file formats and the upload workflow.
Does Positive Pay cover ACH transactions?
+Yes. ACH Positive Pay is a separate but complementary feature. You maintain an approved vendor list in online banking. Any ACH debit from a company not on your approved list is surfaced as an exception for review. Contact Kallie Herink to enable ACH Positive Pay on your account.
What does Positive Pay cost?
+Positive Pay fees depend on your account type and transaction volume. Contact Kallie Herink at 319-730-6958 for current pricing specific to your business.
Quick Reference Guide
Positive Pay Quick Reference Guide
Check issue upload, ACH filters, exception decisions, and cutoff times
Not yet enrolled? Positive Pay requires a setup conversation with Kallie Herink before access can be enabled.
Your Treasury Management Contact
Questions about Positive Pay setup, ACH filters, or exception decisions? Reach out to Kallie directly.
Kallie manages Positive Pay enrollment, issue file configuration, and ACH filter setup for business customers. She can walk you through the onboarding process and help configure your exception rules.
Positive Pay requires a setup conversation before access is enabled. Contact Kallie to get started.
Ready to protect your accounts with Positive Pay?
Request Positive Pay AccessPositive Pay Disclosures
Accounts and services subject to approval. Monthly and per service fees plus applicable sales tax may apply. Certain services may be subject to account analysis. Trademarks property of respective owners.
Additional terms and conditions apply. Contact FSB for more information.
Additional terms and conditions apply. Contact FSB for more information.
ACH Solutions For Your Business
Easily manage and schedule your business payments with FSB's ACH Services.
Positive Pay Disclosures
Accounts and services subject to approval. Monthly and per service fees plus applicable sales tax may apply. Certain services may be subject to account analysis. Trademarks property of respective owners.
Additional terms and conditions apply. Contact FSB for more information.
Additional terms and conditions apply. Contact FSB for more information.
