Positive Pay – Prevent and Detect Fraud

To help protect you or your business from fraud, Citizens National Bank provides both Check and ACH Positive Pay. These tools have already saved our customers thousands by catching fraudulent activity before it causes damage. Getting started is simple, and both services work seamlessly with our Mobile App and Business Banking Online so that you can review and approve transactions anytime, anywhere.

Check Positive Pay Setup & Features

• Upload your check file or input issued checks manually each day.
• CNB compares that list to presented checks.
• A list of exceptions will be emailed to you.
• You instruct the bank to pay or return the check.

Features:

• Tier pricing based on number of accounts.
• Customize user access for importing, reviewing or changing files.
• File upload capabilities.
• Implement review limits for accounts.
• Only review exception items.
• Review exceptions in Online for Business or the CNB business mobile app.

ACH Positive Pay Setup & Features

• CNB will help you set up ACH authorization rules.
• Posted transactions are scrutinized against the authorization rules.
• Exceptions are flagged for your review.

Features:

• Helps mitigate ACH fraud.
• Integrates with Online for Business.
• Customize user access.

In addition to these services, a free option called Reverse Positive Pay is also available. Unlike other tools, this option requires you to manually review checks to catch fraudulent ones. To learn more about how Positive Pay works, view our online demo. For questions or to enroll in any of these services, contact Treasury Management at treasurymanagement@cnbohio.com.