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Positive Pay

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Help Prevent Business Check Fraud

Positive Pay is a web-based tool that can help combat fraud and forgery. This FREE
tool is integrated with First Citizens Business Online Banking, making it easy to 
access and use as part of your everyday business. 

Why Positive Pay?

ACH and check verification allows for peace of mind for business fraud. Positive Pay can detect 
counterfeit items, items having duplicate serial numbers, voided checks presented for payment, 
stolen checks, checks with altered names and amounts, and altered ACH payments.

How does it work?

Positive Pay matches the checks presented for payment against check issuance detail provided by the 
customer. Checks that do not match will be flagged and presented to the customer for a return/pay 
decision. ACH amounts and payees can be uploaded for approval as well.

Getting Started

After signing the Positive Pay agreement, you will then decide which method to input the check/ACH 
information into business online banking:

  1. Manual - customer can manually enter checks as they are issued. Required fields are  check number, payee name, check amount, and issue date.
  2. File Load - customer will upload a pre-formatted check issuance file. Current format available is CSV, Comma Delimited. If this method is chosen we will test run a file before going “live” with Positive Pay.
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