Positive Pay from Citadel

Positive Pay from Citadel Credit Union allows you to automate transaction monitoring for your business, allowing for efficient and thorough validation of payee information. You can manage exceptions with ease and optimize your workflows for maximum security and efficiency.

Check Positive Pay:

• Payee match: Ensure payee names match on check images and issued check files
• Online check image viewing: View front and back images of exception and paid checks

ACH Positive Pay:

• ACH authorization: Define rules for pre-approved ACH activity
• Transaction filter/block: Identify suspicious activity with customizable rules

Streamline Fraud Detection Workflows

• Automated processing
• Exception management
• Account and deposit reconciliation
• Reverse positive pay
• ACH corporate reporting (NOC, Returns, EDI)

Protect your business for just $65 per month!

Frequently Asked Questions

1. When will I be notified of exceptions?

You'll be automatically notified of any exceptions for your review between 5 - 8 a.m. EST. If no decision is made by 11 a.m., the payment will be approved by default.

2. What happens if I forget to log in and make a decision on my exception items?

If you forget to make your decisions, the exception will be approved by default.

3. How will I be notified of exceptions?

You will be notified by email any time there’s an exception to review. Notification emails may include the following:

• Exception notification
• No exceptions found
• Reminder to process exceptions
• Filtered/blocked transaction notification
• Unauthorized ACH transaction notification
• Issued file processing status
• New ACH Authorization rule added
• New transaction filter/block added

4. What would be a reason to return an item flagged for review?

If an item is unauthorized or fraudulent or the paid item differs from what you issued for payment, you should return it.

5. What happens if I forget to log in and make a decision on my exception items?

If you forget to make your decisions, the exception will be approved by default.

6. Do I have to upload checks one at a time or can I submit a single file?

You have the option to do both depending on whatever works best for your needs.

7. How many users can I have?

You can add unlimited users based on your needs & set up individual permissions based on their role.

8. Can I set different access levels & permissions for each user?

Yes, you can add as many users as you need, each with individual permissions based on their role.

9. Someone has left my organization. How can I remove their Positive Pay user permissions?

Please reach out to your contact at Citadel, and we will archive this user to disable their access.

Positive Pay is a fraud detection tool and does not guarantee prevention of all fraudulent transactions. Business members remain responsible for monitoring account activity and reporting suspicious transactions in accordance with Citadel’s Business Services Agreement. A fee applies; please consult the Business Services Agreement for current pricing and terms.