Help protect your business from check fraud.

Add another layer of protection to your Business Checking account with Positive Pay. This automated fraud-prevention service verifies checks before they're paid, alerts you to potential mismatches, and gives you the ability to review exceptions and decide whether to Pay or Return them.

Greater protection. More control over outgoing checks.

Catch suspicious checks before they're paid.
Positive Pay compares checks presented for payment against the check information your business has provided, such as check number and amount, helping identify counterfeit, duplicate, or altered checks.

Get alerted to potential mismatches
When presented check information doesn't match your authorized list, you'll receive an alert so you can review the exception.

Decide what gets paid
Review exception items and choose whether to Pay or Return them, keeping your business in control of the decision.

Automate the verification process
Instead of manually reviewing every check, Positive Pay automatically compares presented checks against your authorized check information, helping save time while adding protection to your account.

How Positive Pay works.

1. Upload your issued-check information
   Provide a file containing the checks your business has issued each time you write checks, so legitimate items match when presented.
2. Checks are automatically compared
   As checks are presented for payment, Positive Pay compares them against your authorized check information.
3. Get alerted to exceptions
   If a presented check doesn't match the information you've provided, the item is flagged for your review.
4. Review and make your decision
   Review exception items through Digital Banking and choose Pay or Return before the applicable cutoff time.
   If no decision is made by the cutoff, the exception defaults to Return.

Designed for businesses that still rely on checks.

Even as more payments move online, checks can remain an important part of business operations. They can also expose your account to risks such as unauthorized or altered checks.

Positive Pay adds a verification step before checks are paid, helping your business identify potential fraud while maintaining control over exceptions.

Built into your Digital Banking experience.

Positive Pay is available within OCFCU Digital Banking, giving you a convenient place to review exceptions and make Pay or Return decisions.

That means account protection becomes part of the same digital experience your business uses to manage its finances.

Part of your Treasury Management toolkit.

Positive Pay works alongside OCFCU's other Treasury Management solutions to give your business greater control over how money moves in and out of your accounts.

Positive Pay helps protect against unauthorized or altered checks.

Business ACH helps manage electronic payments such as payroll and vendor payments.

Online Wire Origination provides a convenient way to send Business Wire Transfers through Digital Banking.

Together, these tools can help your business manage payments, move funds, and protect its accounts more effectively.

Ready to add another layer of protection to your business account?

Contact our Business Banking team to learn more about Positive Pay or get started with enrollment.