Foil fraud before it happens
Match checks and ACH transactions against your records to stop unauthorized payments.
Payment verification that puts you in control
Safeguard against fraud by automatically comparing incoming checks and ACH transactions against your approved records. Any discrepancies are identified and presented for review, giving you control to approve or reject suspicious items before they post.
Daily monitoring
We auto-review checks and ACH activity against your records and flag anything that’s off.
You decide
Flagged transactions are presented for your review, so you can approve or reject them.
Dual protection
Cover both sides of the risk with integrated monitoring of check and ACH payments.
Why Businesses Choose Positive Pay
Payment fraud continues to evolve, making it more important than ever to have safeguards in place. Positive Pay adds an extra layer of protection by automatically reviewing transactions, identifying potential issues, and giving your team greater control over payment decisions before funds leave your account.
Automated Transaction Matching
Incoming checks and ACH transactions are matched against your records, allowing you to review and address discrepancies before they are processed.
ACH & Check Protection
Protect electronic payments and paper checks with a single fraud prevention solution.
Quick Payment Approval
Review flagged transactions and make payment decisions quickly within your treasury management workflow.
Digital Banking Integration
Manage Positive Pay alongside your other treasury management solutions with Business Plus Online Banking.
Dedicated Treasury Support
Access LMCU treasury specialists who can help create a fraud prevention strategy for your business.
Customizable Security Controls
Establish approved ACH originators, transaction parameters, and review processes that fit your business needs.
How Positive Pay works
Send your issued file
Upload the checks you’ve written, or set your approved ACH originators and limits.
We match every item
Each check and ACH entry presented for payment is compared against your records.
Exceptions get flagged
Anything that doesn’t match — amount, payee, check number — is held for your review.
You approve or reject
Decide on each flagged item before it clears, right from your online banking.
Positive Pay FAQs
An exception item is any transaction that doesn’t match your issued payment records or authorized parameters. When one is flagged you’ll get a notification, so you can review the item and decide whether to approve or reject it.
If a check is altered or duplicated, it won’t match your issued file and will be flagged for review. You’ll be notified of the discrepancy and can reject the transaction to prevent an unauthorized payment.
Positive Pay monitors your electronic transactions and compares them against authorized vendors or preapproved criteria. Unauthorized ACH entries can be flagged and rejected, helping protect your accounts from fraudulent withdrawals.
If a valid transaction is mistakenly flagged or rejected, you can correct the decision within the review window or reissue the payment. Keeping accurate records and filters helps minimize these false positives.
Your business is in good company.
Our business members love working with us, because we’re committed to helping businesses across the communities we serve grow more, do more, and create more jobs.
5-star rating for financial strength and stability
BauerFinancial, May 2026
“LMCU’s prompt responses, professionalism, and genuine care create a welcoming atmosphere.”
Josh, Vice President at GWB Custom Homes
GWB Custom Homes is an LMCU member and was not compensated for their endorsement.
