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Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Check Positive Pay helps detect any fraudulent, altered or counterfeit checks through a daily verification process. Once the system verifies details, such as check numbers and dollar amounts, it reports discrepancies directly to you.
Upload
Submit an electronic file each time you issue checks.
Personalize
Payee Positive Pay is an optional service that adds a payee's name to the check.
Approve
Exceptions are presented to you for approval.
Check Positive Pay examines each check and reports irregularities directly to you. This service is available within Digital Banking and Commercial Advantage.
Identify
Check Positive Pay matches the check number, dollar amount and account number against an electronic file provided by your business that contains a list of issued checks.
Compare
We compare every check presented for payment against the cumulative electronic file.
Review
Checks that don't match this list are presented within Digital Banking and Commercial Advantage for review. You determine whether they should be paid or returned.
Compare the differences between Check Positive Pay and Reverse Positive Pay.
Check Positive Pay |
Reverse Positive Pay |
|
---|---|---|
Check Activity |
Moderate to high check activity |
Low check activity |
Electronic File |
Send a list of your daily check run |
We send a list of checks presented for payment |
Check Matching |
We match presented checks against a history-to-date list of issued checks |
You match presented checks against a history-to-date list of issued checks |
Exceptions Notification |
Email notifications sent |
Email notifications sent |
Customer Check Approval |
We review checks presented and paid by the bank, and you decide to pay or return by 3:30 pm ET |
We review checks presented and paid by the bank, and you decide to pay or return by 3:30 pm ET |
Fraud Detection of Physical Checks (presented at branch) |
Service available |
Not applicable |
Payee Positive Pay |
Service available |
Not applicable |
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
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.
NMLSR ID 503941
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Insurance
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.