Advanced Fraud Protection

Protect Your Business with Positive Pay

Independent Bank’s Positive Pay safeguards your business from fraudulent check and ACH transactions, giving you real-time control over your payments.

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How Positive Pay Protects Your Business

As transactions take place, your business is given the opportunity to review each transaction within our TreasuryONE online banking platform and decide whether or not the item should be paid. In the event that the transaction is fraudulent, you are able to return the transaction before you suffer a loss. If the transaction is legitimate, you are able to pay the item without an issue. Independent Bank offers both ACH Positive Pay and Check Positive Pay solutions with a variety of options to best fit the needs of your business.*

Automated Transaction Matching

Payments are automatically verified against your records.

Quick Payment Approval

Review and approve flagged payments directly from your dashboard.

Secure ACH & Check Protection

Prevent unauthorized withdrawals and check fraud.

Fraud Prevention

Checks and ACH items presented both electronically and in a branch are reviewed against your approved items to prevent fraud.

Why Choose Independent Bank Positive Pay?

Dedicated Treasury Support

Work with our Treasury Management team to monitor and prevent fraud.

Digital Banking Integration

Easily integrate Positive Pay with our TreasuryONE digital banking platform.

ACH & Check Protection

Secure both paper and electronic transactions with one comprehensive tool.

Customizable Security Controls

Set custom rules and alerts to meet your business’s unique security needs.

Positive Pay FAQs

Answers to Common Questions About Positive Pay

Can Positive Pay prevent electronic transaction fraud?

Yes, Positive Pay includes ACH fraud prevention, ensuring both checks and electronic payments are secure.

How do I get started with Positive Pay?

Contact our Treasury Management team to set up Positive Pay for your business.

How do I use Check Positive Pay?

For Check Positive Pay, simply upload your check register through our digital banking site. When checks are presented for payment, we compare them to your register and alert you of any discrepancies, giving you the option to approve or return the checks.

How do I use ACH Positive Pay?

Create predetermined payment rules, such as what vendors or dollar amounts need to be verified, within our digital banking platform, and Positive Pay will verify these electronic transactions against these rules.