Smarter fraud prevention. Faster payment decisions. All from one place.
Over 550 businesses trust 1st National Bank to keep their payments secure. See how Positive Pay puts you in control.
One Missed Red Flag Can Cost Your Business Thousands
A single fraudulent check or unauthorized ACH debit can drain your operating account before you even notice. And once funds leave, the recovery process is slow, stressful, and never guaranteed.
Most businesses only discover the problem after the damage is done. Altered check amounts slip through. Unauthorized electronic debits clear overnight. By the time your team catches it, you are already chasing lost money instead of running your business.
Positive Pay gives your business a chance to review check activity and ACH exceptions before it reaches your bottom line.
Why Businesses Choose Positive Pay at 1st National Bank
Not all Positive Pay services are the same. At 1st National Bank, you get more than a fraud filter. You get a banking partner who helps you set it up, walks you through every feature, and stays available when you need support.
Here is what sets us apart.
A local banker guides your setup.
You are not filling out forms online and hoping for the best. A dedicated banker at your local branch walks you through onboarding, configures your preferences, and makes sure your team knows exactly how to use the system from day one.
Combined ACH and check monitoring in one view.
Many banks separate these into different platforms. With our Positive Pay service, you review ACH exceptions and check exceptions from a single dashboard. No switching between systems. No piecing together information from multiple logins.
Ongoing support from people who know your business.
When a question comes up three months from now, you are not calling a national hotline. You are reaching out to the same banking team that set you up. That kind of continuity matters when payments are on the line.
Who Positive Pay Is Built For
Positive Pay is designed for businesses where payment accuracy and fraud prevention directly affect daily operations.
Businesses that issue checks regularly. If your team pays vendors, contractors, or suppliers by check, Positive Pay gives you a way to review checks presented against your account and make pay or return decisions.
Businesses that manage ACH payments or recurring transactions. If your account receives electronic debits — from payroll processors, insurance providers, or vendor billing — ACH Positive Pay monitors those transactions and flags anything that does not match your authorized activity.
Businesses with high transaction volume. The more payments you process, the harder it becomes to catch irregularities manually. Positive Pay brings check review and ACH exceptions into one dashboard, helping your team focus on the decisions that need attention.
Businesses that handle sensitive financial operations. Medical practices, law firms, nonprofits, and government contractors often face strict compliance and fiduciary requirements. Positive Pay adds a structured layer of oversight that supports those obligations.
This may not be the right fit if your business processes fewer than 10 checks per month with no ACH activity. In that case, the cost may outweigh the benefit for your current volume. Talk with your banker about whether Positive Pay makes sense for where your business is today.
What You Get with Positive Pay
Catch Suspicious Transactions Before They Clear
Your team can review checks presented against your account, inspect available check images, and decide whether to pay or return them by the applicable cutoff. You stay involved in reviewing check activity.
Make Faster, More Confident Decisions
Check activity is available for your review in the dashboard. Select a check to view its details and available images, then make a pay or return decision when something does not look right.
Manage Everything from One Dashboard
Checks presented for review and ACH exceptions appear in one dashboard. You see what is approved, what is flagged for return, and what is still pending — all in one place. No switching between systems or reconciling data across platforms.
Stay Ahead of Deadlines with Cutoff Reminders
The system sends reminders before decision cutoff times so you never miss a review window. Payments keep moving. Decisions stay on schedule. Your team avoids the delays that come from missed deadlines.
Save Time with Smart Approval Controls
When you approve a transaction, you can add the sender to your approved list for future payments. Set optional controls like start and end dates or a maximum amount per transaction. Over time, the system handles more routine decisions automatically while you maintain oversight on the exceptions that matter.
Managing Payments Without Positive Pay vs. With Positive Pay
| Without Positive Pay | With Positive Pay at 1st National Bank | |
|---|---|---|
| Fraud detection | Manual review after transactions clear | Review presented checks and ACH exceptions before decision cutoffs. |
| Check verification | Relies on your team spotting irregularities | Inspect presented checks and check images for pay/return decisions |
| ACH monitoring | No visibility until statements arrive | Real-time exception alerts for unauthorized electronic debits |
| Decision speed | Days to identify and respond to issues | Same-day review and pay/return decisions from one dashboard |
| Tracking method | Spreadsheets, email threads, and manual reconciliation | Centralized dashboard with pending, approved, and returned status |
| Support | Self-service or call center | Local banker who knows your business and your setup |
Frequently Asked Questions About Positive Pay
Positive Pay focuses on check verification while ACH Positive Pay monitors electronic transactions and flags unauthorized debits. At 1st National Bank, both are managed from the same dashboard, giving you combined visibility across check and ACH activity.
No. With Positive Pay, you review checks presented against your account. With ACH Positive Pay, approved senders help limit the debits that need your attention. Your banker can explain when decisions are needed and the applicable cutoffs.
No fraud prevention service can stop every attempt. Reverse Positive Pay gives you an opportunity to review checks presented against your account, while ACH Positive Pay helps identify debits that require a decision. Acting within the applicable cutoff times is important.
Positive Pay adds a review step to help you make informed payment decisions. You can view check activity and ACH exceptions in the dashboard, with applicable decision cutoffs. Your banker can explain how the review process will fit your team’s routine.
Setup is handled with your local banker at 1st National Bank. You are not configuring this on your own. Once it is running, the dashboard is straightforward — pending items, approved items, and returned items are all visible in one view. Over time, your approved sender list reduces the number of exceptions you need to review manually.
Get Started with Positive Pay at 1st National Bank
Every payment matters. With Positive Pay, you review exceptions before funds leave your account, make faster decisions from one dashboard, and work with a local banking team that supports you every step of the way.
Getting started takes one conversation.
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