Fraud Protection Services

ACH Debit Fraud Protection Service

Services are available to prevent unauthorized Automated Clearing House (ACH) debits, streamline the account reconcilement process, and enhance account security with internal controls to detect and deter fraud.

Full ACH Debit Block

Designed for accounts that should not receive unauthorized ACH debits for any reason. All attempted unauthorized ACH debits will automatically be returned to the originating bank.

Filtered ACH Debit Block

Designed for accounts that receive certain authorized ACH debits (for example, the Internal Revenue Service or an external payroll processor). Provide us with a list of authorized ACH debit originators and their Company Identification Numbers (CIN), and ACH debits originated under any other CIN will be returned to the originating bank and will not post to your account.

ACH Debit Block Reporting

Receive a report showing any "attempted and failed" ACH debits. Reporting is an optional add-on service to either Full or Filtered ACH Debit Block services.

Check Fraud Protection

POSITIVE PAY

Identify and prevent fraudulent check payments. Provide us with check issue information as checks are issued, and we will verify the information as checks clear our system to ensure authenticity. If a fraudulent item is suspected, you have the ability to make a pay/no-pay decision and, if needed, return it through the Fed system.

MAX PAY

Designed for accounts that do not generally issue checks for large dollar amounts, this service protects accounts against large dollar check fraud losses at minimal cost. Designate the maximum amount under which a check will be processed automatically, and if a check is presented for payment above the maximum dollar amount it will be considered an exception item and will not be processed automatically. Your company will be notified of exception items via fax by 9:30 am, and you will have until 1:00 pm the same day to make a pay/no pay decision. Your selected default option will be selected if no response is received by 1:00 pm.

IMPLEMENTATION EXPERTISE

We will consult with you to provide a smooth transition as new fraud prevention techniques are integrated.

Account Reconcilement Services

Partial Reconcilement

Receive electronic and paper listings of paid checks for the prior statement cycle. An additional report is available to summarize stop payment activity.

Full Reconcilement

Receive electronic and paper listings of both paid and unpaid checks by electronically transmitting your check issue information to us on a monthly basis. A variety of additional reports and services are available to summarize other account activity.

Deposit Reconcilement Services

If your organization makes deposits from multiple locations, this service provides you with a statement of deposits by location to aid in your reconcilement process.

Implementation Expertise

Our experienced account reconcilement staff will work with you to provide a smooth transition. Implementation times and requirements will vary by product.

Check Imaging

Check imaging options allow you to easily reference, sort, print, and store check images.