Positive Pay

Business Banking Fraud Protection with First Financial Bank

Positive Pay protects against check fraud by preventing criminals from cashing fraudulent checks, using stolen account numbers or altering check amounts. When an exception occurs, you receive an email advising you to log in to Positive Pay for review. An image of the check will be available to help you decide whether to pay or return.

With Positive Pay, you have the peace of mind knowing only your official checks will be paid. Here’s how it works:

  • First Financial receives a list of issued checks
  • Check information is stored on the bank’s system
  • When presented for payment, a check is matched against the official list of issued checks
  • Exceptions, sometimes referred to as mismatches, are presented to designated staff for approval or return

The Positive Pay system is easy to use and always available. You can send your issued item information in a Microsoft Excel file, delimited file, or fixed-width file. For manual checks, simply enter individual checks into the system.

Positive Pay offers a variety of reports businesses can view or download, such as:

  • Paid items
  • Outstanding items
  • Stop payment history
  • Voids
  • Account reconciliation

Positive Pay is best for your business if you:

  • Want the added assurance of knowing only approved checks will post to their account
  • Issue checks to the general public that are easily subject to fraud

Features and Benefits

  • Significantly decreases opportunity of fraudulent checks posting to your account
  • Secure, accessible access from any internet connected device
  • Enhanced reporting for exceptions and mismatches 
For more information about Positive Pay, contact us by calling 877-627-7201 or emailing TMClientSupport@ffin.com.