We know you can’t always make it to the bank, which is why we offer convenient alternatives for making a deposit.
1st Express Deposit
It’s for you if:
Your business deposits checks frequently and wants to reduce trips to the bank
- Check-scanning service
- Make remote deposits online, using a compatible scanner, or thru remote deposit software
- Most deposits submitted by 4pm PT Monday-Friday are credited same day
It’s for you if:
Your business wants to outsource payment processing
- Bank-accessible lockbox
- Have your customers send payment directly to the lockbox
- Our secure payment processing center sends you information for reporting
- Speeds collection of your receivables
Keep your cash safe and get help if the worst happens. Our fraud prevention services are a great way to build a strong defense that’s always working on your behalf.
Check Positive Pay Services
Traditional Positive Pay
Monitor account activity with ease. Upload a record of the checks you’ve issued and we’ll check transactions automatically as they post. Any discrepancies are sent to you for review. Stay on top of cash flow with convenient reports on items paid, voided items, and items not yet paid.
Reverse Positive Pay
View all checks presenting for payment so you can validate them against the checks you’ve written. It’s great for businesses that want to verify there haven’t been any duplicate or tampered checks, but don’t want additional review services.
Payee Positive Pay
Payee Positive Pay is the same as Traditional Positive Pay with the added security of validating the check’s payee name. Simply upload a record of the issued checks, including payee information, and as the checks come in, the system will verify them as they post.
ACH Positive Pay Services
Filtering Positive Pay
Add information in ACH Policies to create a list of approved companies that are authorized to electronically credit and/or debit their accounts. Using this list of ACH Policies, the ACH Positive Pay system reviews and filters incoming ACH credits and debits and only those that match the ACH Policies are submitted for processing. Any item that does not match an ACH Policy is presented to the customer as an exception which must be reviewed and decisioned in the Positive Pay system by 11am PT on the business day they were notified of the exception.
Blocking Positive Pay
If an account has ACH Block, all ACH Debits and Credits are blocked and presented to the Company to be reviewed as exceptions that must be reviewed and decisioned in the Positive Pay system by 11am PT on the business day they were notified of the exception. With the block in place, the Bank cannot process any authorized or unauthorized ACH debit from the account.