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Stop Fraud In Its Track

Protect Your Business from Check Fraud with Positive Pay

Check fraud continues to be one of the most common and costly types of fraud facing businesses today. Even with strong internal controls, altered checks, counterfeit items, and unauthorized payments can slip through—often unnoticed until funds are already gone.

At Points West Community Bank, we offer Positive Pay, a proven fraud prevention solution, to help business customers protect their checking accounts and stay in control of outgoing payments.

Enroll in Positive Pay

What is Positive Pay?

Positive Pay is an advanced fraud prevention service that helps protect your business checking account by comparing checks presented for payment against a list of checks you have issued. Before a check clears your account, the system checks key details — like check number and amount — to make sure nothing looks suspicious.

How It Works

  1. Upload your issued checks
    • You provide Points West with a list of checks you’ve written — including numbers, amounts, payee names, and issue dates — often via your online banking portal or cash management tools.
  2. Automatic Matching
    • When checks are presented for payment, the Positive Pay system automatically compares each item to your issued check list.
  3. Exception Alerts
    • If a check doesn’t match — maybe the amount was altered or the payee name isn’t recognized — it’s flagged as an exception. You receive an alert so you can decide whether to pay or reject it.
  4. You Decide
    • You remain in control: approve legitimate exceptions or return suspicious items before the funds leave your account.

Why Positive Pay Matters

Catch Fraud Early

Positive Pay helps stop check fraud before it causes a loss — often at the point of presentment rather than during reconciliation when it’s too late.

Customize Your Protection

Many businesses tailor their alerts and thresholds based on check size or payee type, giving you a fraud-defense system that fits your needs.

Save Time and Headache

Rather than manually reviewing every check for irregularities, Positive Pay automates the process and highlights only the exceptions that need your attention.

Strengthen Your Controls

Because it relies on your own issued check data, Positive Pay creates an audit trail that supports internal control and financial governance.

Who Should Use Positive Pay?

Positive Pay is especially valuable for businesses that:

  • Issue high volumes of checks
  • Send checks to vendors or the public
  • Handle large-dollar payments
  • Want stronger internal fraud controls

If your business depends on checks as part of your payment workflow, Positive Pay is one of the best ways to protect your cash flow.

How To Get Started

Enrollment is easy — just contact your Points West Community Bank banker. We’ll help set up Positive Pay within your online banking and guide you through uploading your check data so you can start protecting your accounts immediately.

 

Contact Our Positive Pay Team Today

Select ‘Enroll in cash management solutions’ to get started with Positive Pay enrollment.

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