Take Action Against Fraud

Positive Pay

Keep your money, information and business safe. Online banking fraud and payment fraud can be costly for a business—even irrecoverable. Fortunately, several tools are available to help prevent fraud.

Prevent Check Payment Fraud

Check Positive Pay & Reverse Positive Pay

Western Alliance Bank Check Positive Pay¹ and Reverse Positive Pay¹ are secure solutions that protect your financial assets by detecting potentially fraudulent transactions.

Check Positive Pay

Western Alliance Bank will provide you with a formatted template so that you can easily list all of the checks you’ve issued. Your check list can be uploaded into online banking, manually entered into online banking or directly submitted by your ERP. Then, we compare that list against the checks presented for payment. We pay only the checks you’ve listed, looking at the amount and check number.

If any exceptions are detected, you’ll be notified by email or text message. You will then review the check images online, and decide whether to pay or return each exception item. Positive Pay is easy and helps add a layer of security to your bank account(s).

Check Payee Positive Pay — This add-on service provides another layer of protection, as we also confirm the payee name before releasing payment.

Reverse Positive Pay

You’ll review a list of all the checks that have been presented for payment from your account. Only the checks you approve will be processed for payment. This is a secure, cost-effective way to detect potentially fraudulent checks.

Guard Against Electronic Fraud

ACH Positive Pay & Debit Block

Protect your business from electronic fraud in ACH debit transactions, with Western Alliance Bank’s ACH Positive Pay² and ACH Debit Block². These services give you the peace of mind that comes from safeguarding your accounts.

ACH Positive Pay

Create, maintain and update a list of pre-approved payments. We will pay only the transactions you’ve expressly authorized. You can set payment rules for each account. Those rules can be vendor-specific, amount-specific, one-time, recurring or a combination of these options. You will have the opportunity to review the exceptions. Unauthorized ACH debits will be credited back into your account.

ACH Debit Block

This feature completely blocks all ACH debit transactions. Any incoming ACH debit is automatically returned to the originating bank. Once you set up the service, there’s nothing more for you to do.

1. Requires enrollment in Business Online Banking. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.
2. Requires enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Refer to disclosures provided at account opening, the Business Schedule of Fees, and Pro Forma for additional information.