Positive Pay

Protect your checks and ACH activity from unauthorized transactions

Protect your business from fraud with proactive account monitoring. Positive Pay helps stop unauthorized check and ACH transactions before they affect your account. Choose the protection that aligns with the way your business operates: Positive Pay - ACH is already coupled with Business ACH, while Positive Pay - Checks is designed for businesses that issue checks. If your business uses both payment methods, you can combine these solutions for comprehensive fraud protection.

Business Protection Made Easy: Monitor, Verify, and Prevent Fraud

Monitor Fraud: Set transaction preferences to stay in control of your account 

Get Alerted: Receive notification reminders via email and text to approve your transactions

Protect Your Business: Defend against fraud—whether it’s a paper check or an ACH transaction

How Positive Pay Works

Positive Pay - Checks  Positive Pay - ACH
  1. Create a file to upload that includes each check’s issue date, issue status, account # and Payee.
  2. Monterra Credit Union will verify the check(s) and notify you if any records do not match.
  3. You’ll receive an alert via email and/or text to verify the check prior to the cut-off time. 
  4. You can manage, review and verify checks presentment against your account. 
  1. Create an approved list of companies that are authorized to debit or credit your account.
  2. Monterra Credit Union will notify you via email and/or text if an unauthorized company debits (or credits) your account.
  3. You can manage, review and verify ACH transactions.
 

Get started with Positive Pay

To activate Positive Pay, an application and review process is required. Here’s how to begin:

  1. Complete the form below to start your application
  2. We’ll contact you to discuss your business needs and guide you through the next steps. 
  3. Once approved, we’ll help you set up the service within digital banking. 
  4. Please review the attached Business ACH and Positive Pay – ACH Fee Schedule and Positive Pay – Checks Fee Schedule. Based on your business needs, you may choose to enroll in either service or both.
 

Complete the form below to get started. *Indicates required fields.

Positive Pay Contact Form

  • Business Name is a required field
  • First & Last Name is a required field
  • Email is a required field
  • Phone Number is a required field
  • Questions/Comments? is a required field

Fraud Protection HQ Training Videos

Initial Access

Reports

Setup Client Users

Dashboard

Transaction View

Transaction Approval

ACH Positive Pay Training Videos

Dashboard

Blocked List

Member User Privileges 

Transaction History

Notification Rules

Reports

Approved List

Check Positive Pay Training Videos

Quickbooks Issue Export

Client Pay & Adjust

Quickbooks Reports

Mass Pay & Issue

Payee Positive Pay Tips

Transaction History

Reconciliation Reports

Issuance Dual Approval

Reports

Manual Issue Entry

Scheduled Reports

Loading Issue Files

Issue Warehouse

Additional Issue Fields

Issue File Status

Issue Templates

Decision Dual Approval

User Privileges

Confirm Paying Exceptions

Dashboard