Check Exceptions

Positive Pay puts you in the driver’s seat of your own fraud protection. It matches the payee name, date of check, check number and dollar amount of each check presented for payment against a list submitted by your business. All four components of the check must match exactly in order for a check to pass through automatically. When a check is presented that does not have a "match" in the file, it becomes an exception item. You will then receive an email regarding the exception item(s) and advise us on the action (pay or return) to be taken. 

About ACH Blocks & Filters

With ACH Blocks & Filters, you can create "rules" that designate who can withdraw from your account and even what dollar amount they can withdraw before being flagged. Any transaction outside of the rules becomes an exception item. You will then receive an email regarding the exception item(s) and advise us to pay or return the transaction.* With these rules in place, you'll be an active participant in keeping your accounts safe.

*Note: if exception items are marked for return, further paperwork is required

Additional fees may apply. Contact Us for additional details.

Getting Started

Setup is pretty simple. A bank representative will first gather information about who should have access to the service and then prepare the agreement. After you've reviewed the agreement, you'll set up a short training session and receive hands-on training on how to upload your data, and how to set rules that can help the system "learn" about your acceptable activity. And we can do this from the comfort of your office, no trip to the bank is necessary!

Once your business is up and running with Positive Pay, you'll control and review all within your PWSB Business Online Banking. When you have questions or concerns, we're just an email or phone call away.