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 your check register.

Protect your accounts with Check Positive Pay.

Huntington's Check Positive Pay helps prevent check fraud and strengthens internal controls by systematically comparing checks presented on your account against the checks you issue daily. It works by verifying check numbers and dollar amounts and then reporting discrepancies to you via the Internet. If you identify a fraudulent check in the provided list, simply notify us online by the cutoff time to return the item.

How Does It Work?

There will be daily operations that will need to be put in place with Check Positive Pay to help mitigate fraud, so we made the process easy. As soon as you issue checks, just provide Huntington with your check register containing the details of the checks you want to post to your account. You may upload your check register file directly from your PC via direct transmission or Business Online (BOL) import. You can even enter check details directly via Business Online.

When checks are presented for payment, we systemically compare the dollar amount and check number to the check register file ensuring a match. If the checks presented do not match, we will notify you of the exception items. Using the check information as well as a digital image of the check, you will need to review and decide whether you want the exception items to Pay or Return via Business Online. Check images may be reversed, enlarged, emailed, or forwarded to facilitate decision-making. All exception items without a decision will be returned once the decision period ends to ensure you are protected from fraudulent items posting.

Additional Layers of Security

Teller Positive Pay

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

Payee Positive Pay

With Payee Positive Pay, customers will include the payee name information in the check register file submitted to Huntington. When checks are presented, we will systemically compare the dollar amount, check number, and payee information to the check register file to ensure information matches. This solution is beneficial in stopping fraudsters from adding a payee name when they try to cash a stolen check.

Dual Approval, Stale Date, and Maximum Dollar Thresholds are also available with this solution. Plus, you can receive alerts via email regarding exceptions, decisions, and approvals.