If you've ever been a victim of check fraud, you know how costly it is to track down the fraud, close existing accounts, open new accounts, order new checks... and basically start from scratch. Now with U.S. Bank Positive Pay your business can take preventive measures against fraud in order to decrease the risk to your business.

U.S. Bank Positive Pay is an automated check-matching service that compares checks you've issued with checks presented for payment - giving you the chance to review checks that don't match your file and make pay/no pay decisions.

U.S. Bank Positive Pay starts working right at the teller line. Using the account number, serial number and dollar amount of the check in question, Positive Pay searches for a match in your checks-issued file right while the person who presented the check for payment is still there. If the check matches, it is cashed (assuming funds are available). If the check is a duplicate or doesn't match the file, the transaction is stopped in its tracks - right before the check is paid and fraud is committed.