First National Bank offers Positive Pay, a fraud prevention product that detects unPositives. Positive Pay allows you to authorize payment of each check individually. If an invalid check (not reported as issued by you) is presented, the check will be returned unpaid to the presenter of the check. You simply transmit all check issuance information to First National Bank before issuing checks.

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BENEFITS TO YOUR BUSINESS

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General Usage. Positive Pay consists of any transactions entered that are generally issued checks, generated by payroll or an accounts payable system.

Protection against fraud and lost or stolen checks. With Positive Pay, the only checks that are paid are those that have issued. This enables you to discover any unauthorized checks in an earlier process.

Saving Money. With this product, you have positive control on your checking account and money is saved when you avoid any returns of unauthorized checks.

Safe and Secure. Positive Pay's safe and secured way of allowing you to detect unauthorized checks, detects any criminal acts towards your account and allows you to review all checks issued.