Fraud Management Solutions

You work hard to make your business a success. We work hard to help you protect it from fraudulent activity. Use Positive Pay and Reverse Positive Pay to detect fraudulent checks on your business account, Check Block to reject checks and ACH Blocks and Filters to ensure your business account isn't used for unauthorized ACH transactions.

On the Blog: Treasury Tools + Fraud Prevention

Positive Pay and Reverse Positive Pay Benefits

Minimize the risk of fraudulent checks posting to your account
Another layer of security to help protect your business
Two options are available: traditional and reverse

How does Positive Pay and Reverse Positive Pay work?

Positive Pay: You send a check file to the Bank of checks that have been issued. Only checks matching this pre-approved list are paid by the Bank. Checks presented for payment that do not match the list must be reviewed or may be rejected for payment.
Reverse Positive Pay: You receive a list of checks presented to your account for payment and review them against the checks you have issued.

Would my business benefit from Positive Pay and Reverse Positive Pay?

Yes, if your business:

Issues checks
Wants the added assurance of knowing only approved checks will post to your account

Contact a Treasury Management Officer

ACH Blocks and Filters Benefits

Saves time, money and reduces the risk of fraud
No more worry about having to manage unauthorized ACH transactions that have posted to your company’s checking account
You control the list of permitted ACH transactions

How do ACH Blocks and Filters work?

With an ACH Block, you will have the ability to prohibit, or block, all ACH debits and/or credits from posting to your company accounts to prevent ACH fraud.
With an ACH Filter, you will have the control to allow certain ACH debits and/or credits to post to your account, while at the same time excluding other debits and/or credits from posting.

Would my business benefit from ACH Blocks or Filters?

Yes, if your business:

Has ACH debit or credit activity in your business checking account
Wants the added assurance of being able to monitor for unauthorized ACH transactions

Contact a Treasury Management Officer

Check Block Benefits

Eliminate the risk of fraudulent checks posting to your account
Another layer of security to help protect your business

How does Check Block work?

All checks presented against your business checking account are automatically rejected

Would my business benefit from Check Block?

Yes, if your business:

Does not issue checks
Wants the added assurance of knowing checks will not post to your account

Contact a Treasury Management Officer

I give credit Merchants Bank for their attentiveness and awareness around financial security and the tools they have available to protect my business from fraud. Ever since we started using their fraud protection program, there have been no issues.

Ron Simon

Luxury Bath and Remodeling

Every morning, I sign into our online banking account and review any incoming ACH requests. I’m in control of what goes through. It’s just part of my daily routine now and so easy.