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SCAM ALERT: Scams involving spoofed numbers and the impersonation Computer Support, Bank Employees, or Law Enforcement are on the rise. NEVER give anyone your passwords or PIN numbers. Be wary of scammers asking for you to purchase gift cards or deposit funds into any foreign ATMs or digital wallets. If you receive a suspicious phone call or text message, please use hang up and contact us at the number on the back of your credit or debit card or dial (859) 253-6359.

Business fraud is a serious issue that can have devastating effects on business owners and their employees. In recent years, there has been an increase in fraud, especially when it comes to businesses and checks. Fraudsters are getting more aggressive, and they have taken to stealing mail from the USPS to capture checks and ACH information from businesses. Fortunately, there are precautions you can take to help protect your business against these potential threats. Beyond the basics (keeping important documents secure, regular employee education, etc.), there are services that can help you protect against the fraud risk surrounding check and ACH payments.

With Check and ACH Positive Pay from Central Bank, we can help you catch fraudulent attempts before they impact your account.

What Is Positive Pay?

We offer two types of Positive Pay – Check Positive Pay and ACH Positive Pay. Check Positive Pay is a fraud prevention tool that helps businesses protect themselves from check fraud using a secure online system to match the details of each check issued against the company’s checks as they are presented to the bank for payment. Exceptions are presented online for review and a Pay/Return decision is required from your company.

ACH Positive Pay is a fraud prevention tool that helps businesses identify valid ACH partners and entries with blocks and/or filters.

How Does Positive Pay Work?

Positive Pay can easily be added to your accounts and integrates seamlessly into daily business operations.

Additional Features & Benefits of Positive Pay

  • Manages all interaction and eliminates the need to install software through secure online interface

  • Notifies you automatically when check exception items or ACH activity are presented

  • Alerts you when unauthorized ACH activity occurs

  • Provides online exception management that allows you to make pay-or-return decisions online for both checks and ACH

  • Integrates with Central Banks teller system to provide an additional front-line defense against check fraud

  • Allows you to view images of exception items via check-image integration

  • Eliminates manual intervention of submitted check files via automated processing of submitted check files

Getting started is easy.

Contact our Cash Management Services team to enroll.