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Small Business - Frequently Asked Questions

Check Fraud Services

Which plan is right for my organization?

Can I customize my plan?

How do I return suspicious checks or exception items?

What is the ABA routing number to use to reorder checks for my Positive Pay service?

Which plan is right for my organization?

Positive Pay offers two basic plans based on your organization's ability to submit check issuance detail.

If your organization has the capability to submit check issuance details to the bank on the day checks are printed and released, choose standard Positive Pay. We will notify you of any checks presented that do not match the issue information provided.

Select Reverse Positive Pay if you are unable to provide check issuance details when checks are released. Each business morning, we will provide you with a list of checks presented against your account. You can then reconcile and notify the bank of any checks you wish returned.
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Can I customize my plan?

Yes. Depending on which plan you choose, you can add payee verification, stale date flexibility, exception reporting, check images, check limits, location identification, and specific data transmission formats.
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How do I return suspicious checks or exception items?

With Positive Pay and Reverse Positive Pay, once you review exception items, you can notify the bank to return suspicious checks.

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What is the ABA routing number to use to reorder checks for my Positive Pay service?

To reorder checks for your Positive Pay account(s) with Union Bank, use routing number 122000496 and refer to the Business Check and Deposit Slip Specifications.

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