Positive Pay is an automated fraud detection tool.

It matches the payee, account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized by the company. All components of the check must match exactly or it will not pay.


Click here to watch a video demo on Business Positive Pay.

One of the
simplest forms
of fraud protection.

Watch our Video Demo.


How Positive Pay Works

Positive Pay requires the company to send a file of issued checks to the bank each day checks are written. When those issued checks are presented for payment at the bank, they are compared electronically against the list of transmitted checks.

When a check is presented that does not have a "match" in the file, the bank sends an image of the exception item to the client. The client reviews the image and instructs the bank to pay or return the check.


  • Prevents check fraud before it occurs
  • The business owner determines dollar amount limit exceptions
  • Approve on the go with alerts through mobile banking
  • Integrates with Online for Business for ease of use


ACH Positive Pay

Why should I use ACH Positive Pay?

ACH Positive Pay helps to mitigate fraud on your business accounts by monitoring your daily ACH activity for unauthorized transactions.

How does ACH Positive Pay work?

Once CNB adds the service to your Online for Business package, you will work with your Online for Business Specialist to set up rules for transactions to be approved. Authorization rules can be added at anytime directly in the system or by contacting CNB.

Unlike Check Positive Pay, there is no file to upload because the ACH items will have already posted. Posted transactions will be scrutinized against the authorization rules to determine if it should be automatically approved or marked as an exception for further review. Those exceptions will need reviewed by the cutoff time each day to determine if any need returned. Email and text notifications will be available for exceptions.

How do I sign up for Positive Pay?

Contact CNB's Treasury Management Department to get your account set up.


More Information

To discuss Positive Pay or to sign up, call:


Mon - Fri: 8:30 AM - 5:00 PM EST


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