Prevent check fraud through practical steps and digital screening


While there's plenty of focus on theft through electronic channels, businesses still lose billions of dollars a year to criminals who alter or forge paper checks. Protect your finances - and profits - by enlisting SouthWest Bank to closely inspect every check presented for payment against your account using Positive Pay within Online Banking.

Here's how it works:


  • Your business sends SouthWest Bank a computer file each time it issues a batch of checks
  • The file contains detailed information that includes the check number, the dollar amount and the recipient
  • When one of your business checks is presented for payment, it's compared to the computer file
  • If the information doesn't match, we flag the check and notify you by email early in the morning
  • Your business then has the opportunity to reject the check or authorize payment, and you can authorize any number of employees to review questionable checks
  • To prevent unwanted checks from going through, you will need to decide to pay or return each item by 10:00 am CT
Positive Pay is a fraud prevention tool provided at no cost to you so you can detect suspicious activity and reduce staff time spent fighting fraud. We also offer free training to you and your employees with ongoing support.















































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