Positive Pay

What is positive pay?


Positive pay is a web-based system for preventing fraud. The positive pay process consists of daily reconciliation of issued checks and checks presented for payment against accounts in order to identify potentially fraudulent checks.

Upon completion of check runs, customers transmit a “checks issued” data file to Fidelity Bank through a secure portal. When checks are presented against an account protected by positive pay, the check information is compared to the “checks issued” file. Checks that don’t match the file are rejected. Fidelity presents customers with a list of suspect checks for payment decisions. Customers must resolve any suspect checks before payment will be authorized.

Contact a member of our treasury management team to learn more about preventing fraud with positive pay. 

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