Positive Pay

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Want to reduce the stress of payroll and paying bills?

Positive Pay for your business

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.



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Positive Pay service offers these features:

  • Minimizes potential for fraudulent check/ACH activity

  • Scans for non-issued paid items

  • Improved accuracy of deposit balancing

  • Scans for duplicate postings

  • Email alerts when exceptions have been detected

  • Filter management

  • Improved Audit Control

  • Scans for fields that do not match the issue file

  • Items are reviewed daily

• Completed Positive Pay Agreement
• High speed internet and CityNET Online Banking required

• $40 per month
• Get locked into our Limited Time 50% Off Deal at $20 per month

Reach Someone Helpful | 1 (844) 861-1299

About Us

We pride ourselves on our + years of serving our communities. At CNB, building relationships is not just a way of doing business; it's our passion.


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