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Positive Pay
Positive Pay

Positive Pay

Positive Pay

Positive Pay
Positive Pay
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Protect Your Business

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Positive Pay helps detect & prevent fraud by allowing business accounts to monitor transactions against check issuance files and ACH criteria. Matching transactions are processed, while discrepancies are flagged for review, requiring approval or rejection.

a woman depositing a check
Woman on Phone (Square)

Check Positive Pay

Upload issued check details and we’ll verify incoming data against that information to flag any inconsistencies.

  • Create an online file with each check’s issue date, check number, and dollar amount. 
  • You can choose to return or pay any item that is flagged as an exception. 
  • Accepts virtually any file format.
  • Blocks non-authorized transactions to your business account. 
  • Eliminates the need to close accounts in the event of unauthorized checks clearing.

Check Positive Pay

a woman depositing a check
Woman on Phone (Square)

Upload issued check details and we’ll verify incoming data against that information to flag any inconsistencies.

  • Create an online file with each check’s issue date, check number, and dollar amount. 
  • You can choose to return or pay any item that is flagged as an exception. 
  • Accepts virtually any file format.
  • Blocks non-authorized transactions to your business account. 
  • Eliminates the need to close accounts in the event of unauthorized checks clearing.
ACH debits & credits
23_12 Website business images

ACH Positive Pay

Pre-authorize debits & credits and you’ll be notified of any unauthorized transactions, which can be approved or returned.

  • Detect fraudulent transactions before payment is processed.
  • Create a list of companies that are approved to debit your account. 
  • Establish notification criteria on a per account basis.
  • Flag items for review based on transaction type, dollar amount and originator ID.
  • Eliminate the time and expense associated with reconciling ACH fraud. 

ACH Positive Pay

ACH debits & credits
23_12 Website business images

Pre-authorize debits & credits and you’ll be notified of any unauthorized transactions, which can be approved or returned.

  • Detect fraudulent transactions before payment is processed.
  • Create a list of companies that are approved to debit your account. 
  • Establish notification criteria on a per account basis.
  • Flag items for review based on transaction type, dollar amount and originator ID.
  • Eliminate the time and expense associated with reconciling ACH fraud. 

Let's Get You Started

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For more information or to sign up for Positive Pay, please fill out the referral form below or contact America First Account Services at 1-877-AFCUBIZ

Positive Pay FAQs

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All businesses have the potential of payment fraud. Positive Pay helps prevent fraud before it happens, saving you time, effort & money.

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  • Check Positive Pay will compare checks issued by a company with checks which are presented for payment. If they do not match, you will receive a notification and will be able to approve or reject the transaction. 

  • ACH Positive Pay service monitors your account and compares its activity to the list of companies you have pre-authorized. If any unrecognized ACH debits arrive, we will send you a notification, enabling you to detect & return any unauthorized or fraudulent transactions.

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  • For Check Positive Pay, a presented check that does not match one described in an issue file will be marked as an exception.

  • For ACH Positive Pay, any debit or credit that does not match your established ACH approved list will be labeled as an exception.

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America First checks presented for collection at our branches (on-us checks) are not eligible for Positive Pay services.

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Positive Pay Videos

Fraud Prevention

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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