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Check & ACH Positive Pay
Treasury Management Services

Southwest National Bank's Check & ACH Positive Pay is the ultimate in fraud prevention. This service allows you complete control of your check disbursements and ACH debits by providing enhanced security and offering a defense against check and ACH related fraudulent events. For convenience, access to the system is housed within Online Banking using SSO “Single Sign On” functionality. This eliminates the need for an additional password. The Positive Pay system is robust and user-friendly, and offers additional features and reporting.

How It Works - Check Positive Pay

A daily comparison is systematically conducted of the checks being presented for payment on your account against your checks-issued files within the system. Only those checks that you authorize for payment are paid.

How It Works - ACH Positive Pay

Control and manage all ACH debits to prevent unauthorized transactions while allowing legitimate transactions to occur. Create ACH transaction rules that can include the originating company ID, standard entry class code, transaction type - debit/credit, and a maximum allowable amount. If an unauthorized ACH item posts to an account, the rules would determine whether the item requires a pay/return decision or if you should be alerted via an email notification. 


  • Sophisticated protection from unauthorized check and ACH transactions
  • Provides multiple layers of security
  • Ability to decision items to pay or return

To learn more about Positive Pay, please contact the Treasury Management Department at (316) 831-8287 or by email at