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Positive Pay & ACH Fraud Protection for Businesses

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Help Protect Your Business from Check and ACH Fraud

 

Park State Bank's Positive Pay and ACH Fraud Protection services provide businesses with powerful tools to help detect unauthorized transactions, reduce fraud risk, and strengthen account security. By monitoring check activity and ACH transactions, businesses can gain greater control over payment activity and help safeguard company funds.

 

Check positive pay

Positive Pay is an automated fraud prevention service that helps businesses protect against check fraud by matching issued checks against checks presented for payment.

How Check Positive Pay Works
  • Upload a file of authorized checks that have been issued by your business.
  • Positive Pay compares the check number, dollar amount, and account number of each presented item against your issued check file.
  • If information does not match, the item is flagged as an exception.
  • Review flagged items and decide whether to pay or return the check before the daily deadline.

Use the resource below to learn how to manually add checks to Positive Pay.


Benefits of Check Positive PAy

  • Detect unauthorized or altered checks
  • Reduce exposure to check fraud
  • Improve control over check payments
  • Help protect business accounts from financial loss
 

ACH Fraud Protection

ACH Filters and ACH Blocks provide an additional layer of protection against unauthorized electronic transactions.
 
How ACH Fraud Protection Works
  • Provide the bank with a list of authorized ACH transactions.
  • ACH Filters compare incoming transactions against your approved list.
  • Unauthorized ACH transactions are blocked or flagged for review based on your selected settings.
 

REQUIREMENTS
  • Signed Treasury Management Services Agreement
  • Signed ACH Filter Enrollment Agreement (for ACH Fraud Filter)
  • Must be enrolled in Cash Management Online Banking (fees apply)
 

Ready to Get Started?

Contact us to learn how Positive Pay and ACH Fraud Protection services can help safeguard your business and strengthen your fraud prevention strategy.


*Fees may apply.  Requirements and fees as of January 1, 2026. Subject to change at any time.