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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Positive Pay

Check fraud remains one of the most persistent payment risks facing businesses today. If your organization relies on checks, protecting your accounts is essential. Positive Pay is designed to help safeguard your business by detecting and preventing fraudulent check activity, giving you greater confidence, visibility, and control over your payments.

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Positive Pay

Protect Your Business and Stay in Control

Positive Pay is a powerful check fraud prevention solution that helps your business maintain greater control over outgoing payments. By matching checks presented for payment against your issued check file, you can quickly identify discrepancies and stop unauthorized transactions before they impact your bottom line.

Getting started is simple: upload a file of issued checks to your bank. As checks are processed, key details such as account number, check number, and dollar amount are automatically verified. If anything does not match, it is flagged as an exception and sent to you for review, so you can decide whether to pay or reject the item.

You will receive alerts and can easily review check images online, helping you respond quickly and confidently to potential fraud.

More Than Fraud Protection — A Smarter Way to Manage Payments

Positive Pay goes beyond fraud detection to help support more efficient financial operations:

  • Automates check reconciliation
  • Simplifies accounts payable and payroll processing
  • Enhances audit controls and reporting accuracy
  • Improves deposit balancing
  • Reduces payment risk
  • Provides easy access to check images and records
  • Helps save time and reduce operational costs

Enhanced Protection with Payee Positive Pay

For an added layer of security, Payee Positive Pay (Payee Match) verifies not only the check details, but also the payee name. Using advanced technology, the system compares the payee on the check to the one in your issue file, helping detect additional types of fraud.

If a mismatch is identified, you are notified promptly so you can review the item and take action.

Benefits include:

  • Stronger fraud protection with multi-layer verification
  • Easy-to-review daily exception reports
  • Greater confidence in your payment processes

Confidence, Control, and Peace of Mind

Check fraud continues to be a serious risk for businesses of all sizes. With Positive Pay, your business is better equipped to help prevent losses before they happen. By working alongside your internal controls, Positive Pay helps safeguard your accounts, support smoother operations, and give you greater confidence to stay focused on running your business.

Everyday Features with Treasury Management

Provident Business Debit Mastercard®

Designed to make everyday business spending simple, secure, and efficient giving you convenient access to your business funds for purchases and payments.

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Mobile Banking for Business

Bank anywhere, anytime with our mobile app. Enjoy secure, convenient access to your business accounts.

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ProvidentConnect for Business

Securely manage your accounts with ease through ProvidentConnect for Business Online Banking.

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Treasury Management Team

Our team of experts are here to help and ensure your success every step of the way.

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Frequently Asked Questions