Prevent Check Fraud With Our Positive Pay Service

Awareness, internal processes, and treasury management services are some of the best lines of defense against check fraud for every business.

Check fraud is one of the most common schemes affecting businesses. Fraudsters use counterfeit checks, stolen check stock, altered checks, forged signatures, fraudulent endorsements, and other tactics to target business accounts. Check fraud can harm your business by causing cash flow problems, burdensome investigations, and even unreimbursed financial losses.

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No matter the size of your business, you are vulnerable to check fraud.

Business check fraud can include:

  • Lost or stolen checks
  • Duplicate and counterfeit checks (including paychecks)

The FLCBank team is ready to help you manage and control your business finances in every situation. Through our “Positive Pay” service  we are able to provide you the protection against fraud and help you better control your working capital.

Securing Your Businesses' Bank Account With Positive Pay

FLCBank’s Positive Pay tool puts you in control by reducing the risk of unauthorized check payments. Through this service you can secure your businesses’ bank accounts by:

Detecting Unusual Activity

Positive Pay allows for you to detect unusual or unauthorized disbursement activity on your accounts.

Automatic Comparisons

Positive Pay allows for the transmission of an electronic file of the checks issued to FLCBank be put through an automated comparison with checks presented for payment.

Receive Alerts

Through our Positive Pay service, FLCBank will send an alert of any non-matching checks to you and allow you to make a payment decision.

Check Communication

Positive Pay allows for you to instruct the bank to either honor a check and to pay it, or dishonor a check and return it.

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Other Benefits of Positive Pay

Reduce Your Risk of Loss

With Positive Pay, you can eliminate the chance of losses that comes with unauthorized, lost, duplicate and stolen checks.

Create Efficiency

Positive Pay allows for reporting options that make workflow and reconciliation efficient for any type or size of business.

Share Information

Our user-friendly file upload feature makes it easy for you to share information about issued checks with FLCBank.

Create Expectations

Exceptions report are available through Business Online Banking and can be sent via email.

Easy Upload

Use accounting software to generate a tab-delimited text data file for easy upload.

FLCBank’s Positive Pay Service is made up of three simple steps. They include:

Data file creation

Through your Business Online Banking account, you create an online data file. This file includes specific check information and can save you time because it doubles as a reconciliation tool.

File Review & Exception Report

FLCBank uses the file you upload to verify authenticity when your check is presented for payment. If the information does not match, the check will appear on a daily exceptions report we send to you for review.

Decision to pay

Through Business Online Banking you make the decision to pay or not to pay the items on the exception report. Positive Pay also prevents duplicate checks from being paid.

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Other Treasury Management Services Through Florida Capital Bank

At Florida Capital Bank, we offer a number of other leading-edge Treasury Management Services that can help you achieve optimal cash management and simplified accounting. These services include but are not limited to:

Business Online Banking

  • Monitor real-time balances and funds transfer activity.
  • Access check and deposit transaction images.
  • Access online and wire origination and approvals.

Automated Clearing House (ACH) and Wire Transfers

  • Easily and securely download your ACH files.
  • Initiate and manage online wire transfers, including domestic and international payments (USD currency only)

Sweep Services

  • Automate your daily cash management decisions by sweeping your funds.
  • Link your line of credit to your business checking account and excess checking balances will be applied to the credit account.

Remote Deposit Capture


  • Allow your customers or business partners to send payments directly to your lockbox.
  • Minimize debt costs and keep funds available for your business

Get in Touch With Us Today:

Click HERE to learn more about the services that can keep you safe from scammers and fraud.