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Positive Pay is a fraud prevention system offered by ACNB Bank and accessed through
the Business Online Banking system. Details of checks issued are sent to the bank via a
file upload each time a check run is processed. As checks are presented at the bank for
clearing, specific details of the check are verified for accuracy prior to cashing.
Positive Pay can be used to detect:
• duplicate items
• counterfeit items
• altered checks
• fraudulent ACH items.
Any checks with information that does not match are labeled as “exceptions” and
are presented for customer approval each morning via the Business Online Banking
system.
Customer makes a decision of:
• pay
• return
For more information about Positive Pay at ACNB Bank, please contact the
Treasury Management Department at 1-866-584-8949 ext. 2.
Positive Pay
Overview