Check Positive Pay

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

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. This check-issue file file may be sent to Huntington via direct transmission, Business Online or via Easy Export.

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.

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.

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.

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 Treasury Management Client Services department at 1-800-480-4862 Monday to Friday from 7:30 a.m. to 6:00 p.m. ET.