Fraud Solutions

Cybercrime can impact any business. Quickly identify fraud and reduce the risk for your business with our fraud prevention services.

Check Positive Pay

  • Significantly reduces the risk of check fraud
  • Greater security and control
  • Lower labor costs associated with manual check verification
  • Business day reporting and easy-to-review exceptions

 

Quickly identify fraud and reduce risk with Check Positive Pay, a service that compares an issued check file provided by you to the Bank against checks presented for payment. Checks that do not match the issued check file are presented as exceptions through an online portal, where users can view check images and choose to pay or return exception items. Users receive a daily email alert when exceptions require review.


CheckPayee Positive Pay

  • Increased security for your cash management
  • Multi-layered fraud prevention

 

Payee Positive Pay, or Payee Match, enhances Check Positive Pay by adding an additional layer of protection to further mitigate fraud risk. Our system uses a powerful optical engine to match the payee name provided in the issued check file with the payee on the check presented for payment. If the payee doesn’t match, the check is presented as an exception through our online portal.


ACH Positive Pay

  • Reduces risk of incoming ACH transaction fraud
  • Quick, efficient, and time-saving process
  • Create authorized and unauthorized lists to automate incoming ACH transaction review

 

ACH Positive Pay allows users to manage incoming ACH transactions by creating authorized and unauthorized lists based upon ACH type, debit or credit, amount, and Company ID. When an incoming ACH transaction is presented that matches your authorized transaction list, it will be automatically processed. If an incoming ACH transaction appears on the unauthorized list or is on neither list, it will be presented as an exception in the Positive Pay online portal for your review and a pay or return decision.


Safe Deposit Box

  • Completely secure way to protect valuables
  • Access when you need it during normal bank hours
  • Privacy guaranteed

 

Store your business’ important documents, legal records, property deeds, and other valuables in a secure Safe Deposit Box that is protected from theft and fire. We have a wide range of sizes available, all of which are housed in a private section of our vault.


Credit Card CardValet

  • Manage risk by defining when, where, and how your debit card can be used
  • Manage, track, and report specific types of usage and quickly detect unauthorized activity
  • Customize your experiences by setting alerts and control preferences

 

Fight debit card fraud with customized controls and real-time alerts. Users can establish location controls to restrict transactions to merchants located within a certain range of your location; usage alerts and controls to establish spending limits that allow transactions up to a certain dollar value and decline transactions when amounts exceed pre-defined thresholds; merchant alerts and controls that can specify specific purchases and transaction categories. Easily manage these controls and alerts, including an on/off setting to enable or disable your card, within the CardValet app.

CardValet® gives you access anytime to more controls over your Debit card activity from anywhere. Learn more and download the app today.



*This communication was prepared for the benefit and internal use of the person or entity to whom it is delivered (the “Recipient”), and is not intended for redistribution by Recipient to outside persons or entities. The content of this document or any similar communications is not intended as, nor shall be deemed to constitute or contain, advice on which the Recipient may rely, is not tailored or individualized for any particular situation, does not constitute in any way research or conclusions of Citizens Business Bank (“CBB”), and should not be treated as such by any Recipient. This document is not intended, nor should it be relied upon, to address every aspect of or topic on the subject discussed herein. The Recipient and its management is solely responsible for determining how to best protect itself against cyber threats and for selecting the cybersecurity best practices that are most appropriate to its needs. CBB assumes no responsibility or liability whatsoever to any customer or other person or entity in respect of such matters, and nothing within this document or any similar communication shall modify, amend or override the terms and conditions in any agreement(s) or disclosures applicable between CBB and the Recipient or any other person or entity.

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