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Positive Pay

What Is Positive Pay?

Positive Pay is a fraud prevention service designed to help businesses detect and stop suspicious check activity before funds leave their account.

When your business issues checks, you provide your bank with a list of approved check details, such as:

• Check number
• Issue date
• Dollar amount
• Payee information

As checks are presented for payment, the bank compares each check against the information you provided. If everything matches, the check can be processed normally.

If there is a discrepancy, the item is flagged for review so you can decide whether it should be paid or returned.

How Positive Pay Helps Protect Your Business

Positive Pay adds an additional layer of security by helping identify:

• Altered checks
• Counterfeit checks
• Duplicate checks
• Unauthorized check activity

Instead of discovering fraud after money has already left your account, Positive Pay helps identify potential issues before a transaction is completed.

Benefits of Positive Pay

  • Reduce Fraud Risk: Identify suspicious checks before they clear your account.

  • Protect Cash Flow: Help prevent financial losses caused by fraudulent transactions.

  • Maintain Account Control: Review exception items and decide how they should be handled.

  • Daily Monitoring: Every check presented for payment is compared against your approved issue file.

  • Greater Peace of Mind: Know that your business has an additional safeguard helping monitor account activity.

Take a Proactive Approach to Fraud Prevention

Check fraud continues to evolve, making prevention more important than ever. Positive Pay provides businesses with a simple yet effective way to strengthen account security and reduce the risk of loss.

What Our Clients Say About Us

Working with Abby Norland at Citizens Bank was an exceptional experience. Abby consistently demonstrated a high level of professionalism and dedication, ensuring all transactions and inquiries were handled efficiently and accurately. Her friendly demeanor and willingness to go above and beyond made interactions not only productive but also genuinely enjoyable. Abby's expertise and customer-focused approach significantly
enhanced my overall banking experience.

The Good Fight Community Center

Very friendly staff from the moment I walked in. Dallas was very professional,
knowledgeable and had me in and out fast!

Flo-Rite Exteriors & Seamless Gutters LLC

Thank you to Jared who has been phenomenal to work with!
Jared stepped in to help on of our clients to secure financing for a commercial construction project. He went above and beyond with his communication between the client and our construction company as well as going above and beyond with his efforts to secure financing. Without Jared stepping in I don't know if this project would have been made possible.
We look forward to continuing to refer Jared to future clients!

Marawood Construction

We recently just closed on a commercial loan from Jesse at Citizens! What a great experience! Of the two prior houses I have owned and the hassle it was to purchase them, I figured getting a commercial loan was going to be even worse. But that was not the case, Jesse made it SO easy from start to finish and helped us along the way. We can't wait to do our next loan through Citizens and grow our relationship with the wonderful staff in their office! Thanks for the smooth transaction, looking forward to the next!

Riverland Rentals

If you aren't banking with Citizens State Bank, you need to! From the teller gals in the Onalaska branch to Jesse Storandt in the La Crosse bank; they all amazing! Citizens has provided me the best banking experience I have ever had from personal accounts to my business account. Can't recommend them enough!

Kurt Pfaff Insurance