Positive Pay

Detect Fraud Early and Give a Sigh of Relief

Positive Pay is a fraud mitigation service that provides early detection of fraudulent, altered, or counterfeit checks and/or ACHs through a daily veriﬁcation of checks and/or ACHs presented for payment against your check register.

This service:

Helps prevent check and/or ACH fraud.
Strengthens internal controls by systematically comparing checks and/or ACHs presented on your account against the checks and/or ACHs issued daily.
Works by verifying check and/or ACH numbers, dollar amounts, etc. and then reports discrepancies to you through Business Online Banking.
Allows you to identify a fraudulent check or ACH, and notify us through their online portal by the cutoff time to return the item.

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Contact or come by Raccoon Valley Bank today at any of our offices in Adel, Dallas Center, Grimes or Perry to experience a true community bank.