February 26, 2024

Protecting your Business from Fraud with Positive Pay


Even though evolving payment options means that fewer checks are being written, check fraud remains a threat to businesses. Positive Pay is one of the best fraud detection tools and River City Bank offers two options: Check Positive Pay and ACH Positive Pay.

ACH Positive Pay. ACH Positive Pay is a security feature that prevents unauthorized electronic debits from posting to your accounts. Whenever there are debits from new or unrecognized sources, they are highlighted as exceptions for your review. You can either add these new companies to your list of authorized debtors or return the transactions within the Commercial Cash Management platform.

Check Positive Pay. Check Positive Pay matches the check number and dollar amount of each check presented for payment against an approved list of authorized checks issued by your company. Both components of the check must match exactly to be paid. If there isn't a match, the check is flagged as an exception and a list will be emailed for authorization before payment will be made. A payee match is automatically added to enhance your check-positive pay review process.

At River City Bank, your account security is our priority. If you would like to learn more about Positive Pay, please contact our Cash Management Team at (916) 567-2660 or email at [email protected]

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