Check Positive Pay & Reverse Positive Pay

Simply export a Positive Pay file, which lists details from checks that you’ve issued, from your accounting software and upload it into the online banking platform. Alternatively, certain community management programs can automate the file transfer through the ConnectLive² API. After the file is provided to the Alliance Association Banking group, our technology compares the provided 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.

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.