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Positive Pay is one of the most effective check fraud prevention programs available. This service is the process through which your company and Quad City Bank & Trust work together to detect fraudulent activity by identifying items presented for payment that your company did not issue.
Positive Pay is a highly effective defense against check fraud. If your company writes a large number of checks each month and/or is concerned about check fraud, Positive Pay is your solution.
Effective. Sophisticated defense against check fraud and losses.
Secure. Provides multiple layers of security.
Efficient. Errors are detected prior to month-end, which will improve your account reconciliation process.
How It Works
- Your company sends Quad City Bank & Trust an electronic check issue file (specified format) that includes all of the checks written against your account, daily, by 3 pm.
- Quad City Bank & Trust compares the file of checks presented to the check issue file.
- Exceptions are identified and communicated to you by 9 am each business day.
- Approved exception items are paid and unapproved items are returned.