Positive Pay

Positive Pay is a fraud detection tool available within TCCU Online for Business that provides businesses with the ability to upload check registers and establish ACH rules on their accounts in order to make it easier to identify fraudulent activity.

What is the difference between Check and ACH Positive Pay?

Check Positive Pay allows businesses to upload a register of outstanding checks or add outstanding checks to their registry individually. Once those checks are processed Positive Pay will identify discrepancies including the check number and amount to help with identifying fraudulent items. If a fraudulent item is detected, businesses can review an image of the check and submit a dispute directly to Town & Country Credit Union if a discrepancy is detected to start the return process.

ACH Positive Pay provides an account-by-account ACH rule system which will trigger alerts to the business if any ACH transactions post outside of the set rules. Businesses set their own rules on their accounts including limits and whether credits/debits are allowed. If an ACH transaction posts outside of the set rules, the business receives an alert and can begin the dispute process within TCCU Online.

Is the entire dispute process finished once a user submits their dispute/return request?

No, once a dispute/return request is submitted we will reach out to the responsible individual(s) on the business account in order to sign the appropriate documents to complete the dispute/return.

How can I enroll or learn more?

Contact us at 800-872-6358 and request to speak with a Business Services Specialist for more details and assistance with enrollment.

View the Positive Pay user guide here.

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