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Check fraud is a growing concern for many business owners. Positive Pay can reduce check fraud risk, offering peace of mind so you can focus on what's most important — your business. Please contact us for pricing information.

  • Only pre-approved checks clear your account
  • Each check must match three factors
  • Save time by reviewing only exceptions
  • Detect suspicious check activity
  • Secure your assets
  • Reduce the risk of financial loss
  • Safeguard your company's reputation
  • Minimize disruption to operations
  • Have peace of mind knowing your account is protected

What is Positive Pay?

Positive Pay is a powerful fraud prevention tool used by business customers to prevent against check fraud.

How does Positive Pay work?

Your business uploads a file containing approved checks written by your company into the Positive Pay system. Checks received by Home Bank for payment on your account are compared to those on your uploaded approved list. Each item is reviewed for matches using three factors: payee name, amount, and check number. Any check that does not match (and is potentially fraudulent) is sent to you as an exception to review and either return or approve for payment.

What happens if someone tries to cash a check at a Home Bank banking center?

Any checks presented to a teller in a branch are compared to your company's issued check file. If the check does not match the information in the file, a Home Bank employee will contact your business for authorization to cash the check. Calls are made during normal banking hours Monday through Friday.

How will our business be notified if there are exceptions to be processed?

You will receive notice by email if there are exceptions to be processed. The initial email is sent by 8:00 a.m. CST. A reminder email is sent again at 10:00 a.m. CST.

Positive Pay is an optional service available to business clients who use online banking.