EXPLORING YOUR OPTIONS?
We offer a variety of cash management solutions to fit your operation.
Positive Pay: Your First Line of Defense
Positive Pay is a powerful fraud detection service that matches incoming checks and ACH payments against the information you’ve authorized. If something doesn’t match? We flag it before it clears your account. The main goal is to detect and prevent fraudulent activity.
Protect What You’ve Worked Hard to Build
We start with a conversation. Tell us how your business works, and we’ll tailor the tools that help protect it.
How it works
- You upload or transmit a list of authorized checks or payments
- We compare every transaction that hits your account to that list
- If a mismatch is detected, you’re notified immediately and can decide whether to approve or reject the item
Benefits
- Significantly reduces the risk of check and ACH fraud
- Automates the check and ACH debit verification process, saving time and reducing manual errors
- Provides an additional layer of security for your company's financial transactions
Ready for the Next Step?
Why businesses choose csb for fraud preventION
-
Proactive Monitoring – Catch suspicious activity before it becomes a loss.
-
Customizable Alerts – Get notified how and when it works best for you.
-
ACH & Check Protection – Guard against unauthorized debits and altered checks.
-
Hands-On Support – You’ll never be left to figure things out alone. Our team is right here with you, every step of the way.
Other terms, fees, and restrictions may apply.
More questions? Contact us
Call or text 330.674.9015.
common types of check fraud
Forgery
Signing someone else's name on a check without authorization.
Check Washing
Stealing a check and using chemicals to erase the original details, then rewriting it with new information.
Counterfeit Checks
Creating fake checks that look like real ones.
Your Questions,
Answered
What is Positive Pay?
Positive Pay is a fraud prevention tool that helps protect your business from check and ACH fraud. It works by verifying each transaction against a list of checks or payments you’ve issued. If something doesn’t match, the transaction is flagged for your review.
How does it work?
-
You provide a list of authorized checks and/or ACH payments to CSB via online banking.
-
We compare that list to incoming transactions on your account.
-
If a discrepancy is found (wrong amount, mismatched check number, unauthorized ACH, etc.), you’re alerted.
-
You decide whether to approve or decline the item before it posts.
What types of fraud does Positive Pay help prevent?
-
Check fraud (forged, altered, or duplicate checks)
-
ACH fraud (unauthorized electronic withdrawals)
-
Internal fraud (unauthorized or mistaken payments)
Is Positive Pay hard to set up?
Not at all. Our team will walk you through everything — from setting up the system to submitting files. We also provide hands-on training, so you feel confident using the service.
Do I need special software?
No special software is required. Positive Pay is integrated into our business online banking platform, and we’ll work with your existing systems to make the process simple.
How will I be notified of a suspicious item?
You’ll receive an alert through your preferred contact method (email or text message) and will have a window of time to approve or reject the transaction.
Can I use Positive Pay for ACH transactions too?
Yes! We offer both Check Positive Pay and ACH Positive Pay, so you can monitor and control a wide range of transactions.
What does it cost?
Pricing for Positive Pay depends on your account setup and business needs. Reach out to our Business Services team for a custom quote.
make business banking work for you.
Let’s talk about what your business needs and how we can help.