Positive Pay

Positive Pay verifies checks and ACH debits digitally for your business. This service not only enhances convenience but also bolsters security and anti-theft measures. Through Positive Pay, debit transactions undergo scrutiny and validation to ensure alignment with specified criteria before processing payment. Upon enrollment, here's how the service operates:

• Client submits a check or ACH item in a list of items to be paid
• Positive Pay verifies criteria when the item is presented for payment
• If criteria is met, the item is paid. An exception is created if Positive Pay finds mismatched data. If this happens, an exception notification is sent to the customer. The decision cut-off time is 11:00 AM, or the item will be automatically rejected.

ACH Positive Pay: Once we receive a list of ACH items you want paid, our office creates a filter for approved payees under your Eclipse Bank profile. If an ACH item attempts to come through an unapproved sender, it comes in as an exception. Clients will receive an email notification to take action either to approve or reject the item.

Check Positive Pay: Similar to the ACH process, once we receive a list of outstanding checks from you, we will create a filter for approved items under your Eclipse Bank profile.