Positive Pay Fraud Prevention Tool

Part of a powerful trio of digital tools dedicated to monitoring transactions, German American Bank's Check Positive Pay* monitors your issued check data and compares check transactions for unauthorized or fraudulent activity. Items presented for payment pass through our validation process, which identifies checks that are inconsistent with the data provided. 

You get reports of these "exceptions" that require a pay or return decision within an established timeframe. You also get to view digitized images of exception items to help you make a pay/return decision.

ACH Positive Pay* addresses the growing need to act more diligently in monitoring ACH activity for fraud.* It provides a simple, effective solution that defines ACH business rules at the account level and scrutinizes every ACH transaction posted to the account to determine whether a transaction warrants further review.

Accessed via Business Online Banking and used in conjunction with Account Reconciliation, Check Positive Pay and ACH Positive Pay deliver an invaluable array of business benefits.

Account Reconcilement tools include:

• Check Positive Pay reduces fraud losses by identifying unauthorized checks for return
• ACH Positive Pay includes exceptions for unauthorized ACH activity
• Automated emails notify you of exception items or suspicious ACH activity
• Check image integration lets you view images of exception items online
• Deposit reconcilement summarizes deposit activity by branch/location
• Integrated data mapping utility accepts issued check file formats that are native to your accounting system
• Online exception management lets you make pay/return decisions online for both check and ACH exceptions
• Reverse Positive Pay functionality provides added flexibility with fraud prevention options

Account Reconcilement tools include:

• Online Full Account Reconcilement Statement
• Online Check Reconcilement Statement
• Online reconcilement reports
• Outstanding checks
• Paid checks
• Stale dated checks
• Deposit Reconcilement Statement (deposit activity by location)