Fraud Mitigation Tools

Protect your financial assets.

Fraud is constantly evolving, but so are your defenses. We offer advanced fraud mitigation solutions to help safeguard your business. Whether it’s ACH or check payments, we’re here to help you mitigate risk.

CHECK POSITIVE PAY

Verify issued checks against authorized files to ensure only approved checks clear.

How it works:

Provide issued check details via Digital Banking.
We verify these details against the issued check file you provide.
Matching checks clear your account.
Non-matching checks are presented for review.
Decide between 8:00am and 11:00am EST whether to pay or return them.
If no response is received, the check is automatically returned.

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features:

✓ Upload issued check files directly to the positive pay system.

✓ Review and decide on exception items ("pay" or "no pay") within Digital Banking.

✓ Manually key in check details to include them in the positive pay service.

✓ View check images easily within Digital Banking.

ACH POSITIVE PAY

Review every ACH debit using customizable rules to block unauthorized activity.

How it works:

Unauthorized incoming ACH Debits are presented to you for decision.
Set up rules to accept transactions from authorized originators, ensuring future transactions clear automatically.
ACH Positive Pay gives you control and peace of mind, keeping your accounts safe from unauthorized electronic debits.

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features:

✓ Designate authorized originators to debit your account.

✓ Implement rules for originators and set limits for authorized debits.

debit block all

Block ACH debit transactions on designated accounts.

How it works:

All debit transactions presented to the account are automatically blocked.
There is no ability to review, release or override blocked debits.
This impacts ACH debits and card-based transactions; paper checks presented for payment are unaffected.

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BENEFITS:

✓ Provides protection for credit-only accounts, such as escrow, collection or loan proceeds

✓ Removes the risk of unintended withdrawals without the need for ongoing ACH debit transaction monitoring or decisioning

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Universal Payment Identification Code (UPIC)

A secure, shareable identifier that allows businesses to receive electronic payments without exposing their actual bank account information.

How it works:

A UPIC is a unique identifier that looks and acts just like a real account number.
It can be shared on websites and invoices to support payment collection.
Your UPIC is linked to your business account at a system level, so all the work can happen behind the scenes.

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BENEFITS:

✓ Keep your account information confidential by providing your customers a convenient payment solution by sharing your UPIC, without exposing actual account details.
✓ UPIC payment processing is limited to credits; helping prevent unauthorized ACH debits from occurring on your business account(s).

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Key benefits include:

Enhanced Control Over Payments

Cost Saving and Increased Efficiency

Greater Security and Peace of Mind

Ready to get started?

Stop into your local branch today or fill out the form below, and our Treasury Management team will reach out to you shortly to discuss our cash management solutions.

Please do not include personal information (such as your social security number, date of birth, or other sensitive personal information) in any message you send through this contact form.

Digital Banking Security Features

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Fraud Mitigation Tools

Protect your financial assets.

How it works:

features:

How it works:

features:

How it works:

BENEFITS:

How it works:

BENEFITS:

Key benefits include:

Enhanced Control Over Payments

Cost Saving and Increased Efficiency

Greater Security and Peace of Mind

Ready to get started?

Digital Banking Security Features

Enable powerful security features to enhance account protection.

Connect with our local experts.