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Positive Pay

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.

Benefits

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

  1. 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.
  2. Quad City Bank & Trust compares the file of checks presented to the check issue file.
  3. Exceptions are identified and communicated to you by 9 am each business day.
  4. Approved exception items are paid and unapproved items are returned.