Customer Monitoring

Routing Number: 272483633

Positive Pay

Streamline business operations and obtain peace of mind through additional fraud prevention with Advia’s Positive Pay!
Detects suspicious activity via checks and ACH transactions to safeguard business reputation Reduces risk of financial loss and minimizes disruptions to operations Simplifies account reconciliation and reinforces audit trails Low monthly service charge

The benefits of Positive Pay.

Better securityfor your assets

  • Detect suspicious check activity
  • Reduce the risk of financial loss
  • Safeguard your company's reputation

Increased control

  • Enhance visibility of check activity
  • Solidify internal controls
  • Reinforce audit trails

Streamlined business operations

  • Minimize disruption to operations
  • Simplify account reconciliation
  • Save time by reviewing only exceptions

Essential check screening

  • Check number and dollar amount fields for each paid check are screened and matched

Secure authorization

  • Company administrators can establish separate user entitlements for import and exception decision functions to strengthen and simplify internal controls

Simplified reconciliation

  • Mismatched checks are identified sooner and account activity is reconciled quickly with increased accuracy

Convenient access

  • Pay or return decisions for exceptions are made within Positive Pay online portal
  • Email alerts can be received by multiple users and provide daily notification indicating whether your company has exceptions to review

Positive Pay FAQs

Get answers to frequently asked questions about Positive Pay.
What is Positive Pay?
Positive Pay is a resource available to business members of all sizes to help stop check and ACH fraud against your business. Positive Pay in its simplest form is a service that matches the account number, check number, and dollar amount of each check presented for payment against a list of checks previously authorized and issued by your company. All three components of the check must match exactly, or it will trigger an exception to review and decision.
How does Positive Pay work?
Each day checks are written, your business sends (uploads/transmits) a file of issued checks to Advia. When those issued checks are presented for payment, they are compared electronically against the list of issued checks. If there are any discrepancies to the information you submitted, the check is flagged as an exception, an alert will be emailed to you that you have exceptions to review. You will then decide to pay or return the check. Exception items can include check numbers that don’t exist in the issued file, dollar amounts that don’t match, duplicates of a check that have already been paid, or even checks you may have issued but forgot to upload into the issued file.
How will we be notified if there are exception items?
You will receive a daily email notifying you of any exception items. You can then choose to pay or return those items.
How can Positive Pay help with Account Reconciliation?
Positive Pay identifies mismatched checks more quickly and increases the accuracy with which account activity is reconciled. The Positive Pay system also shows a summary of issued, paid, voided, and outstanding checks you can refer to as needed.
Is there a fee to use Positive Pay?
There is a fee for Positive Pay service. Analysis Checking Accounts may help offset this cost. Please contact a member of our Commercial Treasury Management team at 844.238.4228 or via email at for more information.
How do I sign up for Positive Pay?
You may sign up for Positive Pay using the form here (link to form). You may also contact our Commercial Treasury Management team at 844.238.4228 or via email at They will walk you through the process and help you set up any other services your business may need.

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