Fraud Prevention & Risk Management

Full ACH Debit Block

• Designed for accounts that should not receive unauthorized ACH debits for any reason

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)
• Any CIN not on the approved list 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

Protecting your customers’ payment data should be one of your highest priorities as a business owner. Our Merchant Services program has the technology and resources to help keep your customers' card data safe and secure. Our professionals can help you determine the best solution for your business, ranging from EMV devices to a layered approach to security utilizing encryption and tokenization options.

PCI DSS Compliance
If your business accepts credit and debit cards, you must be able to validate that you are compliant with the Payment Card Industry Data Security Standard (PCI DSS).

• This is an industry security standard to help safeguard sensitive cardholder data and reduce the risk of data breaches, fraud and identity theft.
• We partner with a trusted vendor to provide this validation service to our merchants.

You can conveniently access your PCI status and information through our FirstView merchant portal at your convenience. Our representatives are on hand to help guide you through the entire process.

Partial Reconcilement

• Receive electronic and paper listings of paid checks for the prior statement cycle

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
• 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

Check Imaging

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

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.

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 a maximum dollar amount - any check presented above the maximum dollar amount will not be automatically processed