Official Checks are a Prime Fraud Target. Protect Them First.
Positive Pay helps financial institutions protect issued checks before fraud becomes a loss, without adding friction to daily operations.
The Smartest Way To Implement Positive Pay: Official Checks
Official checks carry high trust and high risk. AFS helps community financial institutions add targeted protection where fraud hits hardest, without a complex rollout.
Empower Your Teams
Frontline and back-office ready workflows and clear exceptions keep operations moving.
Get Ahead of Losses
Verify issued checks and stop suspicious items before funds leave your institution.
Start Small & Prove Value
Protect official checks without rolling out Positive Pay across every account.
Protect What You Issue First
Positive Pay for Official and Internal Accounts allows financial institutions to verify issued checks against trusted records, stopping counterfeit and altered items before they post.
- Cashier’s checks
- Escrow accounts
- Internal and operational accounts
Start Small. Prove Value. Scale With Confidence.
Because official checks are controlled internally, Positive Pay delivers fast, measurable results. FIs see immediate ROI without operational disruption, making it easier to expand.
This becomes the foundation for:
- Broader fraud mitigation strategies
- Stronger operational controls
- Differentiated business account offerings
Community FIs Are Already Deploying Positive Pay for Official Checks
Here is how peer institutions are using Positive Pay today.
$5.7B Community FI
Uses Positive Pay to validate on-us and official check items, stopping counterfeit and altered checks before they clear.
$1.4B Community Bank
Deployed Positive Pay with payee match and image analysis to protect cashier’s checks, escrow, and expense accounts.
$2.4B Community FI
Implemented Positive Pay for official check-based fraud, reinforcing member trust and reducing exception handling time.
Featured Insights
Keep up with the growth of Positive Pay by AFS.
