Only approved activity clears your account.
Fraud threats continue to evolve, and while digital scams often make headlines, check fraud and unauthorized ACH activity remain serious risks for businesses. Shore United Bank’s Positive Pay service helps protect your accounts by identifying suspicious transactions — giving you greater control, stronger security, and more peace of mind.
For busy business owners and finance teams, Positive Pay adds an extra layer of protection without requiring constant manual account monitoring.
Contact our Commercial Services Team to learn more about enrolling in Positive Pay or Visit a Branch in Maryland, Delaware or Virginia.
What is Positive Pay?
With Check Positive Pay, your business provides a record of checks you’ve issued — including details like:
- Date
- Check number
- Dollar amount
- Payee
When checks are presented for payment, they are electronically matched against your issued check file. If a discrepancy is found, the item is flagged as an exception for your review.
You can:
- Export a batch file of issued checks and upload it through Online Banking
- Enter individual checks manually when needed
- Review exception items and decide whether to pay or return the item
Payee verification is especially important, as altered payee fraud continues to rise.
ACH Positive Pay
The ACH Positive Pay feature helps you manage unauthorized electronic transactions by allowing you to build a list of companies authorized to debit your account.
Small businesses also understand the importance of fraud detection. You can also establish controls and limits to identify transactions that fall outside your normal activity, helping you detect unusual or unauthorized ACH items more quickly.
Positive Pay is especially valuable for businesses with high account balances, high transaction volume, or increased exposure to fraud risk.
Features include:
- Check issue file upload through Online Banking
- Manual check entry when needed
- Payee, check number, and amount verification
- ACH company authorization controls
- Daily exception reporting
- Email and text alerts
- Decisioning deadline reminders
Fees
- $75 monthly fee
- $50 setup fee
Available on all eligible accounts with no additional fee
Still have questions? Contact us online or visit a local branch in Maryland, Delaware or Virginia for additional information.
