Positive Pay

What is Positive Pay

Positive Pay is a check fraud prevention

system that enables customers to review

and authorize checks being presented for

payment against their account.

– Customers will upload a list of checks written

to the bank for confirmation

– Bank will review all checks paid on an

account against the customer’s list, and report

any exceptions to the customer for a decision

Quick Exception Processing

Any check paid on a customer’s account

that does not match existing check issue

information will be presented to the

customer for a decision.

– Customers can choose to pay or return any

exception item

• Select pay or return and click update to make a

decision on a check

Quick Exception Processing

ACH Processing

• Positive Pay can be used for ACH transactions also.

• For ACH you can tailor

your exceptions.

Submit Issued Check Information

Customers will upload a file of written

checks in an agreed upon format.

– To issue check information into the system,

the customer will browse to a saved file, and

click process file.

Check issue information has to be in the

system, prior to a check paying, for

exception processing to work accurately.

Submit Issued Check Items

Adding a Single Check

Customers can issue individual checks

without submitting a full issued check file.

– The customer will add all of the required

check information and click add check.

Add a Single Check Screen Shot

Void a Check

• Customers can void checks through the

positive pay system

– To void a check, the customer will search for

the specific check they wish to void. Click Find

Check.

– When stopping a check, follow current

banking procedures

Void Check Screen Shot

ACH Positive Pay

With this product customers can take advantage of positive pay protection for ACH payments.

– Customers who wish to use ACH Positive Pay will need to establish rules for ACH payments within the system (pay all, pay none, pay credits only, etc.).

– Once rules are established the system will report any exceptions to the customer within the quick exception processing screen-slide 5

Positive Pay Demo

The screens referenced in this presentation

are available for navigation

and testing in a demo

version of the product.

Business IB Demo

Contact Us

To learn more

information about

this product please

contact your local

branch.

Organizational Structure

*Information contained herein is confidential and proprietary to Tompkins Financial and its subsidiaries.

Products and services are subject to change at the discretion of Tompkins Financial. Bank approval is

required to use Internet Banking Wire transfer service.

Thank you.