Check Positive Pay

Check Positive Pay is a fraud mitigation service that provides early detection of fraudulent, altered or counterfeit checks through a daily verification of checks presented for payment against a check issue file.

Protect your accounts with Check Positive Pay.

Huntington's Check Positive Pay helps prevent check fraud and strengthen internal controls by systematically comparing checks presented on your account against the checks that you issue daily. We verify both check numbers and dollar amounts and report discrepancies to you via the Internet by 8:30 a.m. ET. If you identify a fraudulent check in the list we send you, simply notify us online by 1:00 p.m. ET.

How Does It Work?

As soon as you issue checks, simply provide Huntington with a check-issue file that contains the details of the checks you want to post to your account.. You may upload your check issuance file directly from your PC via direct transmission or using Easy Export or entering check details directly via Business Online.

When checks are presented for payment, we will systemically compare the dollar amount and check number to the check-issue file ensuring that the information matches. If the checks presented do not match, we will notify you of the exception items via Business Online. Using the check information as well as a digital image of the check, you will need to review and decision whether you want the exception items to Pay or Return. Check images may be reversed, enlarged, emailed, faxed or forwarded to facilitate decision-making.

Additional Layers of Security

Teller Positive Pay identifies potentially fraudulent, altered or counterfeit check items presented at Huntington branches by comparing them in real-time with the check-issue file. If the information does not match, the check will not be cashed. This service is automatically included with Check Positive Pay.

With Payee Positive Pay, customers will include the payee information in the check-issue file submitted to Huntington. When checks are presented, we will systemically compare the dollar amount, check number and payee information to the check-issue file ensuring that the information matches.

Receive alerts via email regarding exceptions, decisions and approvals.

To learn more about Huntington’s Business Security Suite, contact your Huntington Banker, Huntington Treasury Management Specialist or the Huntington Business Direct department at 1-800-480-2001 Monday to Friday, 7:30 a.m. to 6:30 p.m. ET, and Saturday, 8:00 a.m. to 5:00 p.m. ET.