Positive Pay

Keeping your business's finances safe and secure is more important now than ever.  That's why we offer Positive Pay. Positive Pay helps minimize the risk of fraud that could be associated with your commercial deposit accounts.  It's a secure, automated check and ACH monitoring system that is available through HCU Digital Business Banking, designed to give you peace of mind.

Positive Pay helps prevent fraud on both checks and ACH payments.  It's the peace of mind your small business needs.
Positive Pay reduces the risk of financial loss to your small business.  You spend less time worrying about fraud and more time running your business.
You only have to think about Positive Pay if it finds something suspicious.  Then your team is alerted, can review the item, and get on with your day.

Positive Pay Features

Positive Pay is available to business members of all sizes to help stop check and ACH fraud.  Positive Pay matches the account number, check number, and dollar amount of each check or ACH debit presented for payment against a list previously authorized and issued by your business.

Check Positive Pay
  • Prevent fraudulent checks from clearing your account by reviewing items considered to be exceptions
  • Maintain tighter control over checks clearing your account by submitting an electronic issue file
  • Check number and dollar amount fields for each paid check are verified

ACH Positive Pay
  • Provides an automated process to prevent unauthorized debits from clearing your account
  • Receive notice of unauthorized attempts to debit your account
  • Authorized users may bypass the system to allow an ACH debit to be paid
  • Assign daily allowable limits for specific vendors