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Positive Pay, a check fraud prevention service, provides one of the most effective methods available to protect your company against financial loss through fraud.
With identity theft and check fraud on the rise, it’s more important than ever to detect and deter fraudulent activity. Provident State Bank’s Positive Pay service, along with your internal security controls, helps to do just that by comparing your issued checks against our paid check information. It can be implemented two ways — Positive Pay or Reverse Positive Pay.
Submit your electronic issue-file through Business Online Banking. The system automatically matches incoming items against the company issued check file. An email notification is sent to you if non-matching items are detected. You then notify the bank of your Pay/Return decision through Business Online Banking from PSB, your local bank.
Reverse Positive Pay
With this option, your company does not submit an issue file. Provident State Bank, your local bank, displays all paid check items as exceptions via PSB Business Online Banking. Your company is sent an email notification of the exceptions and you notify us of your Pay/Return decision through Business Online Banking from PSB, your local bank.
Systematically matches paid items against company-issued check file
Detects fraudulent items including duplicate serial numbers, voided and stale dated checks presented for payment and checks with altered amounts
Check images are available for viewing
Improves fraud protection by automatically detecting check discrepancies, alleviating risk of lost revenue
Provides enhanced control over whether authorized checks should be paid
Offers quick management of exceptions by providing images of questionable checks
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
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