Prevent check fraud. Protect your bottom line.

Prevent ACH and Check Fraud with Positive Pay

You don’t have to wait until fraud strikes to protect your business accounts. Bank of Oak Ridge’s Positive Pay services put you in control and empower you to stop fraud before your business loses funds associated with unauthorized checks or ACH activity.

Don’t be one of the 65% of businesses that experience payment fraud. Learn more about how we can help you protect your business with Positive Pay today!

Talk with a Private Banker

Benefits of Positive Pay

Early Detection

Positive Pay helps detect suspicious checks before they clear, allowing for early intervention.

Reduced Fraud Risk

Positive Pay minimizes the risk of unauthorized or altered checks being processed.

You're in Control

You can review exceptions and decide whether to approve, giving you greater control over the process.

Enhanced Security

Positive Pay adds a layer of security to traditional check and ACH processing, mitigating the risk of fraudulent transactions.

ACH Positive Pay

Enable electronic fraud prevention by monitoring or screening ACH transactions.

Utilizing ACH Block/Filter, you choose whether to have all ACH debits and credits blocked or be presented for decisioning
You determine which ACH clients are authorized or need to be reviewed

Check Positive Pay

Protect your small business against fraudulent checks by uploading a file to Bank of Oak Ridge every time you issue checks.

Suited for businesses with moderate to high check activity
Checks presented for payment are compared against files you submit
Checks that don’t match the file list are presented for review so that you may determine whether they should be paid or returned

Reverse Positive Pay

With Reverse Check Positive Pay, every check is presented to you for decisioning, requiring you to login to Online Banking.

Suited for small businesses with a low volume of check activity
Easily review previous-day check images
Return any checks paid from your account that appear fraudulent

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“If you are looking for that small hometown bank look no further than Bank of Oak Ridge. At this bank you are a person not a number. Bank of Oak Ridge knows how to take care of their customers; they will go above and beyond. I compare it to the Ritz experience; if you ever have stayed at the Ritz you know what I mean. The staff and management have been easy to work with on any need we have ever had. Each experience has been better than the last. They are my go to bank and I highly recommend them to any one looking for a good bank.”