Business Fraud Prevention

Move security issues toward the top of your priority list

From paper checks to electronic communications, businesses are vulnerable to fraud, theft and other malicious practices that put funds at risk. First American Bank offers a comprehensive suite of Positive Pay products intended to keep your accounts safe, maximizing your ability to focus on running your business while providing peace of mind.

Positive Pay from First American Bank is a set of solutions for the early detection of unauthorized check payments and ACH transactions. Positive Pay allows you to manage lists of acceptable payment items, review images of items presented for payment, and make payment or return decisions online. Our suite of options allows you to choose the level of protection that best meets your needs:

• Positive Pay helps prevent check fraud. Simply send us a check file every time you issue checks; or manually enter your checks into the system. We will match this file against checks presented for payment to identify discrepancies or suspect checks. View front and back images of these checks to make payment/return decisions online.
• Positive Pay with Payee Match adds another level of security by verifying payee names. Send us the payee information in your check issue file and we will also verify payee names to detect any discrepancies.  View front and back images of these checks to make payment/return decisions online.
• Reverse Positive Pay is an alternative to Positive Pay for companies that are unable or elect not to send check issue information to the bank. View online images of checks from the previous business day and determine if any should be returned.
• ACH Positive Pay helps prevent unauthorized electronic transactions and manage your inventory of acceptable transactions. It offers flexibility for using your own ACH filters to accept or reject items to manage risk more accurately. Add, edit, or delete filters at any time based on your needs.