Managing Your Money
Check Positive Pay
Summary of service
Protect against fraud by reviewing suspicious check items and returning any unauthorized checks with a single click.
Essentials to know
Positive Pay Quick Reference Guide
Here's everything you need to know to get started.
Alerts Quick Reference Guide
Learn how to add an alert, add a recipient and set up immediate alerts when certain conditions occur.
Decisioning Positive Pay Exceptions
Learn how to view and decision your positive pay exception items.
Positive Pay Payee Name Information
Learn how to prepare file formats.
Creating a Single Check Positive Pay Issue-Void Item
Learn how to create check issues and voids through positive pay.
Importing Positive Pay Issue-Void Files
Learn how to import, delete and approve a check issue-void file.
People often ask us
You'll upload your check issues files into Commercial Advantage. View our Positive Pay Quick Reference Guide (PDF) for instructions on uploading check issue files.
Images are available in Commercial Advantage once they've posted the day after overnight processing.
No. You won't be able to perform maintenance on your check issues once they've been submitted.
If an issued check or a whole check issue file needs maintenance after it's been submitted, contact Treasury Management for assistance.
Fraud alerts, such as Positive Pay Suspect Items and Positive Pay Cutoff Time is Approaching, should be established immediately on July 18, 2022. More information about alerts can be found in the Alerts Quick Reference Guide (PDF) or by viewing the Creating Alerts video.
Exceptions will be uploaded and available for decisioning after 9:45 am ET, Monday through Friday—excluding bank holidays.
The decision cutoff time is 3:30 pm ET.
You'll access history via the Reporting tab in Commercial Advantage. A rolling 65 days of history will be available to you.
Yes. The Payee Name field is limited to 80 characters. If transitioned Positive Pay file mappings contain a Payee Name longer than 80 characters, you'll receive an error message indicating so. This only affects Fixed Length file format.
No. You'll need to establish new custom mapping as early as Monday, July 18, 2022.
Files can be prepared using one of three possible layouts: Fixed Field, Comma-Delimited (.csv) or Tab-Delimited (.txt). Our preferred formatted is Fixed Field. For file specifications on each of the three layouts, visit our Positive Pay Payee Name Information Quick Reference Guide (PDF).
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