Positive Pay

Want to reduce the stress of payroll and paying bills?

Enjoy the security of enhanced fraud detection with Positive Pay – a valuable service that gives you more control and accountability on the checks you’ve issued, all while minimizing losses. Positive Pay gives your business that extra security related to check and ACH fraud.

What is Positive Pay?

Positive Pay is a fraud detection system that matches the checks your business issues with those presented for payment. If discrepancies arise, you'll be promptly notified, allowing you to approve or reject the transaction.

Key Benefits:

✅ Fraud Prevention: Detects and prevents unauthorized transactions, reducing risk.
✅ Accuracy: Ensures only legitimate checks are processed, improving financial security.
✅ Efficiency: Saves time and streamlines your accounts payable process.

How to Enroll:

Getting started is simple:
1. Complete the Positive Pay Agreement.
2. Ensure you have high-speed internet and access to CityNET Online Banking.

Enrolling in Positive Pay will allow CNB to match checks, such as a company-issued payroll check, with those presented for payment by a business. As the checks are presented to the bank to be deposited or cashed, the bank compares the information it has on file with each check presented. If the information for any check does not match the file, CNB notifies its business customer.

Positive Pay also allows customers to filter ACH transactions for daily review as well. Placing filters based on the dollar amount and/or a company name will allow the customer to view ACH transactions that have posted to the account.

Not currently creating ACH’s with CNB? Apply Now

Protect your business today with Positive Pay! Our team is ready to assist you every step of the way.