Fraud Protection & Risk Management

Positive Pay Services

ACH Positive Pay

Protect your account from unauthorized ACH debits with ACH Positive Pay. Simply identify vendors that are authorized to debit your account with optional dollar thresholds. Stay in control with alerts for unauthorized ACH debits and the ability to take action in Digital Banking.

How can ACH Positive Pay with NBT help my business?

• Mitigates risk of potential ACH fraud
• Optional dollar thresholds depending on vendor relationship
• Provides peace of mind while realizing the benefits of ACH processing

Check Positive Pay

Protect your accounts from fraudulent, counterfeit or altered checks. You simply provide us with an electronic file containing information about checks issued by your company. We compare the check details in the file with the actual checks presented for payment. The details include check number, amount, and issue date. Stay in control with alerts for unauthorized ACH debits and the ability to take action in Digital Banking.

For added protection, we also offer Payee Positive Pay which verifies the payee name on the issued check.

How can Check Positive Pay with NBT help my business?

• Mitigates risk of potential check fraud
• Automates fraud protection processes
• Eliminates need to close the account if fraud is perpetrated

Universal Payment Identification Code (UPIC)

Prefer to receive incoming ACH payments from business customers without divulging your account information? Our UPIC service assigns a unique routing and account number to allow processing without exposing your actual account information. Since UPIC is specifically associated with incoming ACH’s, any ACH debit attempt using this information will be blocked.

How can UPIC with NBT help my business?

• Protects confidential account information
• Provides peace of mind while giving your customers convenient payment options
• Eliminates need to establish separate account for incoming payments

Visit the Business Fraud Information Center for more information on protecting your business from fraud.