Positive Pay

Powerful protection strategies against fraud.

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Detect and prevent check fraud faster.

Positive Pay is an automated fraud detection tool that identifies unauthorized transactions before final payment, so you can feel secure about money coming out of your accounts.

Perfect for you if:

Your company has experienced check fraud loss.
You want to reduce exposure to fraudulent transactions.

Get peace of mind with Positive Pay.

This service compares each check presented for payment against your check issue file. You can view all images of checks before deciding which items to pay or return, monitor daily incoming clearings and return fraudulent items.

Advantages

Customize the program to your needs
Single checks are easily entered
Issued checks can be maintenanced to avoid unnecessary suspect items

Convenience

Sign on through online banking
Email confirmation for receipt of your issued file
Email notification of suspect items

ACH Positive Pay

You can confidently share your account number with business constituents as necessary, because ACH Positive Pay helps guard against unauthorized electronic activity. Any ACH transaction that does not meet the parameters you set will have to be approved by you, or we will send an email notification when any ACH item is posting to your account.

ACH Authorization Rules

Defines preauthorized ACH transaction rules for an account
Can include the originating company, standard entry class and transaction type
Can set a cap for the maximum authorized dollar amount
If an unauthorized ACH item posts, the rules determine whether it requires a pay/return decision, or if to alert you via email about the unauthorized activity

Transaction Filter/Block

Defines guidelines for monitoring ACH activity and alerting you if an ACH item posts that matches the monitoring guidelines
Can include the standard entry class, transaction code, transaction type (debits and/or credits) and the transaction amount
All items meeting the filter criteria are automatically returned

Account Reconciliation

SunTrust Fiduciary offers both full and partial account reconciliation and check serial sort. Our account reconciliation service includes secure file transmission of all cleared items and detailed account reports that can be fully customized. File transmission is available electronically in CSV, Excel and BAI2 formats.

We specialize in your business.

Whether you’re a startup or big business, SunTrust Fiduciary offers solutions perfectly suited to your financial needs. See how we can support your business goals.

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How we work

Together

At SunTrust Fiduciary, you’ll enjoy one-on-one attention and comprehensive support from our entire team of business experts. You aren’t just another number in a database — you’re a partner. You’ll also learn firsthand how powerful an independent bank can be — capable of delivering everything big banks can, without being a big bank.

Let’s have a conversation

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