Managing Your Money
ACH Positive Pay
Summary of service
ACH Positive Pay helps you protect against electronic fraud by blocking and returning any ACH transactions you choose not to authorize.
Essentials to know
Positive Pay Quick Reference Guide
Here's everything you need to know to get started.
Learn how to add an alert, add a recipient and set up immediate alerts when certain conditions occur.
Creating an ACH Template
Use templates to choose how many approvers will be required for payments and if there's a maximum amount allowed.
People often ask us
The cutoff time is 3:30 pm ET.
Files will load at 6 am ET, and you'll find your exceptions that require decisioning in Commercial Advantage under the Fraud/Risk Management tab. Establish fraud alerts to ensure you don't miss the decisioning cutoff time of 3:30 pm ET. For help setting up these alerts, visit the Alerts Quick Reference Guide (PDF).
ACH Positive Pay exception file load time is Monday through Friday around 6 am ET—excluding bank holidays.
You'll have the ability to decision these exceptions in Commercial Advantage on Monday, July 18. Decision cutoff time of 3:30 pm ET will apply.
ACH Full Block reports can be located in Commercial Advantage under Legacy Reports.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.