Business Fraud Prevention Services

Protect your business accounts from suspicious activity

Keep your confidential financial information secure

You don't have to wait until your money has been misused to protect your business accounts. Our business fraud prevention services increase your control—so you're empowered to stop fraud before your small business loses funds.

ACH Positive Pay

Enable electronic fraud prevention by monitoring or screening ACH transactions.

  • Block transactions you didn't authorize
  • Receive proactive notifications of suspicious activity
  • Choose from a variety of protection options
Learn more about ACH Positive Pay

Check Positive Pay

Protect your small business against fraudulent checks with our check-monitoring service.

  • Suited for businesses with moderate to high check activity
  • Checks presented for payment are compared against files you submit
  • Checks that don't match the file list are presented for review so that you may determine whether they should be paid or returned
Learn more about check positive pay

Reverse Positive Pay

Simplify account reconciliation activity related to checks presented for payment with business fraud management tools.

  • Suited for small businesses with a low volume of check activity
  • Easily review previous-day check images
  • Return any checks paid from your account that appear fraudulent
Learn more about reverse positive pay

Are you operating a commercial business?

Protect your business with commercial fraud prevention services.

Learn more about commercial fraud prevention services

First Citizens Positive Pay Video
See how it works

Watch the Positive Pay Sales Demonstration video

Every year, billions of dollars are lost to check and electronic fraud. It's one of the largest fraud challenges facing businesses today.

It can happen as easily as someone stealing a blank check, an employee issuing a check without proper authorization, counterfeiting, or intentional or mistaken duplicate deposits.

With the popularity of mobile banking products, the chance of a check being deposited twice has increased. While First Citizens Bank will always help protect your account, we offer a proactive approach that puts you in control and able to fight fraud with a few clicks of a button.

First Citizens Bank's Positive Pay check-monitoring service can help you detect and stop check fraud from negatively impacting your business. We offer several options of protection to fit your business's needs. And with Digital Banking for business, you have the freedom to manage decisions on your mobile device.

With standard Positive Pay, each time you issue checks, you will send an electronic file with the check number, amount and date to First Citizens using your online banking portal. The Payee Match option can provide an additional layer of security by matching the payee name on the check as well.

As checks clear your account, you will receive a text or email alert to notify you if any irregularities are found. The service will present the check the next day for you to make a pay-or-return decision.

If a decision is not made prior to the cutoff time, the check will follow your previously selected default option: Pay or Return.

Reverse Positive Pay allows you to monitor each cleared check for alterations—or even fraudulently cleared items—and return any unauthorized items.

This option is ideal for lower check volume accounts or clients who don't wish to submit an electronic check issue file.

When a check is presented to your account, all users who have permissions within Digital Banking will receive an alert and have until the current cutoff time to decision items. If no decision is made, the item will pay as presented.

Positive Pay also includes comprehensive reporting capabilities that allow you to review your decisions history and Positive Pay activity for the past 65 days.

Safeguard against fraud, and help proactively protect your accounts with First Citizens Positive Pay.

To learn more, please visit firstcitizens.com or contact your local First Citizens banker today.

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking
Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking
Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Fraud Prevention Services Insights
Protect your business from fraud

Insurance

Managing business risk

Think you don't have to worry about business risk? Think again.
As your business grows, you can go through fluctuations in risk, too.
Cash Management

Know these types of payment fraud

Learn the common types of payment fraud so you can know what to look out for and help keep your business secure.
Protect your business by verifying any payment requests from vendors or customers that look unusual.
Cash Management

Payment options for small businesses

What are some payment methods small businesses use for success? We cover the most common types, from credit and debit cards to contactless payments.
By selecting a payment system that works best for your business while offering customers the flexibility and convenience of multiple methods of payment, you increase the likelihood of repeat business.
Explore more small business fraud prevention insights

Fraud Protection FAQ
People often ask us

Payment fraud takes place when someone's payment information is stolen and used to make unauthorized transactions or purchases.

Fraud prevention services help to identify and prevent activities and transactions that put your business and customer finances at risk by blocking or alerting you early of the suspicious transaction. One example includes positive pay services, which enhance your current risk management process by monitoring payments like checks or ACH transactions for fraud and verifying their authenticity.

There are several ways you can protect your business from fraud. 

  1. Know your employees, and educate them on how to prevent fraud.
  2. Maintain internal controls and procedures.
  3. Secure IT infrastructure and protect devices.
  4. Partner with your bank to protect your accounts and prevent unauthorized transactions.

Normal bank approval applies.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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