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Safeguard Against Check Fraud With Positive Pay

Wire, automated clearing house (ACH) and check fraud are just a few of the threats your business combats every day. Help reduce the risk of loss from check fraud with Associated Bank Positive Pay, available through our business online banking platform Associated Connect®.

Positive Pay is a web-enabled check verification service that allows you to review exception items before they’re paid and return checks you deem fraudulent.

Benefits of Positive Pay include

Monitor internal controls and detect check fraud.
Reduce disbursement risk with timely returns.
Control whether exception checks should be paid or returned.
Review an outstanding check list at the end of each month.
Reduce administration time and processing costs.

How Positive Pay protects you from check fraud


Send Associated Bank a file of your daily list of checks to be issued.


As items are presented to your account, we match them against this issuance file.


Checks on your list are paid. Checks not on your list, or for which there is a discrepancy in check number or dollar amount, are marked as exceptions.


You review exception items online and make a "pay" or "no pay" decision.

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