Positive Pay

Keep your business accounts secure and hassle-free with Positive Pay, an automated fraud detection tool.

What is Positive Pay and how does it work?

Positive Pay is a system for verifying checks, where only checks you authorize and approve can be presented against your account. Positive Pay helps to dramatically reduce check fraud while giving you tools to better manage your cash flow and monitor your transactions. 

With Positive Pay, your business simply sends a file of issued checks to Field & Main each day checks are written. When those issued checks are presented for payment, they’re compared electronically against the list of transmitted checks you shared with us—we’ll match the account number, check number, and dollar amount of each check presented for payment against the list of checks previously authorized. 

All three of these components of the check must match exactly. Any check images that don’t match the file are flagged and sent over to you for review and instruct us on whether to pay or return the check. Reviews can be conducted quickly and easily using your online banking portal.

How can Positive Pay help my business?

Positive Pay can benefit your business by:

  • Decreasing opportunities for fraud on your accounts
  • Providing daily notification of all incoming checks to facilitate cash flow management
  • Giving you more control over your accounts by allowing you to review checks prior to posting

Why use Field & Main Bank for Positive Pay?

At Field & Main, our commercial banking experts live and work in the communities they serve and are dedicated partners in the success of your business. With Urgency & Care that you would expect from your local trusted advisor, Field & Main Bank continually strives to meet your small business banking needs. We offer exceptional accessibility and availability with direct lines of communication for all our commercial clients. And because we’re based right here in Central Kentucky, Western Kentucky, and Southern Indiana, your business can benefit from local and in-person one-on-one assistance, whenever you need it.

Protect Your Business with Positive Pay

Ready to take advantage of our efficient and secure treasury management services and dedicated, local service? Visit one of our convenient branches in Henderson, Cynthiana, Evansville, and Lexington to learn more about what we can do for your business.

Sweep Accounts

Move funds to an interest-bearing account or pay down a line of credit.

Business Consultation

How can we help build your business?