Bank of Tennessee Business Online Banking Resource Guide

Positive Pay


Positive Pay is a feature available to our commercial customers that will help to minimize or eliminate check fraud to prevent losses, provide easier management of Voids and Stop-Payments, and simplify month-end checking account reconciliation. With Positive Pay, you submit an electronic file each day detailing business-issued checks. As each check is presented for payment, the Positive Pay system electronically compares it to the information in your file. If an item does not match the record you provide, it is flagged as an exception and referred back to you for a payment decision. ACH Blocks & Filters proactively monitors incoming ACH activity. Using this tool, every ACH transaction presented for payment is scrutinized. Suspicious transactions are presented for review. The service allows for firm restrictions on outgoing ACH payments, providing peace of mind that only authorized ACH transactions will be released.

Click on the Positive Pay tab. This will open a new browser window for Positive Pay. When exiting Positive Pay, you should always use the Sign Out button, located in the upper-right hand corner of the page. To Access Positive Pay:


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