Capital Bank Commercial Online Banking Guide

Positive Pay Overview The Positive Pay Account Reconciliation Service allows you to view and compare checks presented for payment against an electronic check issue file to identify fraudulent items. You can enter your issued checks directly into the positive pay system or upload an issue files from your computer. Presented checks are compared against the list of checks you have issued on a nightly basis, ensuring the information contained matches the issued check entered. When a discrepancy between the presented check an issued check is detected, it is flagged as an exception. The system notifies you of any exceptions via email, allows you to view images of the checks and exceptions, and then allows you choose to either pay or return the items. Features for setting up the Positive Pay Reconciliation Services are listed as follows:

Upload Issued Checks – allows you to upload an issued file. Enter Issued Checks – allows you to enter issue items manually. View Issued Check Register – displays a history of the issues you have submitted (input or uploaded) and you can reconcile account information and view exceptions.

Positive Pay Decision Exceptions – allows you to view exceptions and submit decisions (Pay or Return) through Commercial Online Banking. Exception items are updated with the decision information selected. Note: Additional documentation is required for access to this feature. Contact your account officer for more information.

The Company Administrator has been given primary access to process Positive Pay ( Reconciliation Service ). If an additional sub- users needs to process Positive Pay, the Company Administrator will need to grant them access under the Administration menu by selecting the following options from the list of accounts permissions under the users profile and click update.

1 8 Reconciliation Exceptions (Recon Excpts) and Reconciliation Issues (Recon Issues) options. 2 8 Under the Reconciliation Services feature, select the options ( if applicable ) Allow Reconciliation, Issues Register Input, Issue Register, File Upload and Exceptions Processing in order to process Positive Pay.

Note: The Company Administrator and each sub-user who has been granted access will receive an email notification when you have Account Reconciliation Exceptions to be processed; therefore, it is not recommended that you select Suppress Exceptions Notification .

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