Reverse Positive Pay

Fraud-prevention tools to simplify protection

Low Activity

For a low volume of check activity.


Easily review previous-day check images.


Return checks paid from your account that appear fraudulent.

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See how it works

Take a tour of how Reverse Positive Pay for Digital Banking and Business Online Banking (BOB) Advantage® works.

Every year billions of dollars are lost to checks. 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 Check Positive Pay (formerly 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. 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 each check as well as checks clear your account.

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 clear check for alterations or even fraudulently created 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 online banking will receive an automated email 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 view your decisions history and positive pay activity for the past 65 days.

Safeguard against fraud and help proactively protect your accounts with First Citizens Check Positive Pay to learn more, please visit or contact your local First Citizens Bank today.

how it works

Simplify protection

Reverse Positive Pay simplifies account reconciliation activity related to checks presented for payment. This fraud management tool is available within BOB Advantage and Digital Banking.


Each business day you're presented with all paid checks from the previous business day in BOB Advantage and Digital Banking.


Review all paid checks from the previous day and determine if they should be returned or rejected.


See the difference

Compare the differences between Check Positive Pay and Reverse Positive Pay.

Check Positive Pay

Reverse Positive Pay

Check Activity

Moderate to high 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 bank. You decide to pay or return by 3:30 pm ET

You review checks presented, paid by bank and decide to pay or return by 3:30 pm ET

Fraud detection of physical checks (presented at branch)

Service available


Payee Positive Pay

Service available


Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

Normal bank approval applies.  

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