Protect Your Business from Check Fraud with Positive Pay & Payee Positive Pay

Check Fraud Can Impact Any Business. Whether you run a small family-owned business or a growing company, check fraud remains a serious threat. Criminals continue to target businesses because checks contain valuable information, including account and routing numbers, that can be used to create counterfeit checks or alter legitimate ones.

Today's fraudsters use sophisticated technology such as high-quality printers, scanners, and readily available software to create convincing counterfeit documents. Criminals may also steal checks from mailboxes, intercept payments during delivery, wash checks to change payee names or dollar amounts, or attempt to cash fraudulent copies of legitimate checks.

Small businesses are often attractive targets because they may have fewer resources dedicated to fraud prevention and account monitoring. Even a single fraudulent check can create financial losses, disrupt cash flow, and require significant time and effort to investigate and resolve.

As fraud schemes continue to evolve, many businesses are looking for simple and effective ways to strengthen their defenses and protect their accounts from unauthorized transactions.

An Extra Layer of Protection for Your Business

Positive Pay & Payee Positive Pay is a fraud prevention tool designed to help businesses identify suspicious checks before money leaves their account.

Instead of discovering a problem after a check has been paid, this service helps detect potential fraud during the payment process, giving businesses greater protection and peace of mind.

How It Works

When a check is presented for payment, the system automatically compares important details against the checks your business previously issued, including:

• Check number
• Dollar amount
• Issue date
• Account number
• Payee name (for Payee Positive Pay)

If any information does not match your records, the check is flagged for review before it is paid. This helps detect altered, counterfeit, or unauthorized checks quickly and efficiently.

Stay in Control of Your Payments

One of the biggest advantages of Positive Pay & Payee Positive Pay is that it puts decision-making in your hands.

When a check is flagged, authorized users at your company receive a notification and can review the item. You decide whether the check should be paid or returned. This added oversight can help reduce fraud losses and strengthen your internal controls.

By reviewing exceptions before checks are processed, businesses can catch potential issues early and make informed decisions that help protect their accounts.

Easy to Use and Manage

Managing Positive Pay & Payee Positive Pay is straightforward through FHB Commercial Online. Businesses can securely upload issued check information and review exceptions through a convenient online platform.

The service also allows you to assign user permissions, helping ensure the right employees have access to submit check files or make payment decisions. This flexibility can support your company's existing processes while helping maintain appropriate controls.

Why Businesses Choose Positive Pay & Payee Positive Pay

Benefits include:

• Helps reduce exposure to check fraud
• Detects suspicious checks before payment is made
• Provides greater control over payment decisions
• Supports stronger internal controls
• Offers easy online management and reporting
• Helps protect business finances and cash flow

Protect Your Business with Confidence

Fraud can happen when you least expect it, but taking proactive steps can make a big difference. Positive Pay & Payee Positive Pay helps businesses strengthen their defenses against check fraud by identifying potential issues before funds leave the account.

With an added layer of protection and greater control over your payment process, you can focus more on running your business and less on worrying about fraud.

Contact your FHB banker or visit any branch to learn how Positive Pay & Payee Positive Pay can help protect your business.