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Positive Pay

Field & Main® makes it a priority to keep your accounts secure and hassle-free. With Positive Pay, we offer an automated fraud detection tool. The service matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by your company. All three components of the check must match exactly, or it will not pay, helping to keep your business clear of fraudulent activity.

To use Positive Pay, your company will send a file of issued checks to the bank each day checks are written. When those issued checks are presented for payment, they’re compared electronically against the list of transmitted checks. Any check images that don’t match the file are flagged and shared with you for review. You then instruct us on whether to pay or return the check.

The benefits of Positive Pay are:

  • Decreased opportunity for fraud on your account.

  • Daily notification of all incoming checks.
  • Ability to review checks prior to posting.
  • Easy approval via online banking.

The customer must establish a consistent process for reviewing the file daily each morning to ensure proper posting. Please talk with your relationship banker to learn more about and review options for protecting your company from fraudulent ACH activity.


Positive Pay may incur a fee.