Positive Pay: Check, Payee Name, and Reverse

Features & Functionalities

USB’s Check Positive Pay, Payee Name Positive Pay, and Reverse Positive Pay services are check fraud prevention tools available to our Business Online Banking Plus customers (Reverse is also available for non-Treasury business customers). These services allow you to pay only those checks you authorize. Read more below for operational highlights of these tools.

Check and Payee Name Positive Pay

  • Prior to distributing checks, create and upload an issue file into Business Online Banking Plus that includes the check’s serial number, issue date, and dollar amount issued against your Check Positive Pay account (payee name information is optional but not validated with standard Check Positive Pay service). Customers with Payee Name Positive Pay are required to include Payee information in the issue file. Note that Payee is an additional service.
    • File format is customizable based on your accounting software (some Payee Name restrictions)
    • Issues can also be manually entered within the Positive Pay Module
  • As checks are presented for payment, if the details match the issue information provided to the bank, the check is paid. No further action is required for matched items.
  • If the check details do not match the information provided on your issue files, a mandatory email alert* is delivered to company users with Positive Pay entitlements at approximately 9 AM EST Monday – Friday.
  • Users log into the Positive Pay module of Business Online Banking to review Exceptions and decision items to Pay or Return. (SMS text alerts can also be set up for user notification. See instructions below.)
  • An Exception Reminder notification is sent one hour prior to cut-off at 12 PM EST if items are not decisioned.
  • Decisions must be made prior to 1 PM EST or the default decision (established at service implementation) will apply to the item(s). Options are: Pay or Return. Decisions can also be made via our mobile app.


We recommend Return default for these services. The default choice of Pay or Return is available at the client’s discretion.

*NOTE: We strongly recommend logging into Business Online Banking daily after 9 AM EST to review the Positive Pay module for exceptions regardless of receiving an alert.

Reverse Positive Pay

  • A great alternative for smaller business customers who don’t have the ability to create issue files or who have low check volume. 
  • All checks presented for payment are displayed as exceptions for review within the Positive Pay module.
  • The same decision window of 9 AM – 1 PM EST applies. (No decisions via Mobile app for this service.)
  • We recommend Pay default for this service. The default choice of Pay or Return is available at the client’s discretion.

Check Debit Block

  • Enables the bank to block all check debits from posting to designated accounts. These debits are automatically returned when presented.

ACH Debit Block

  • Any ACH Debit attempts will be declined. This does not include internal transfers.


For General & Pricing Information: Contact Treasury Services with questions or concerns, Monday-Friday 8:30 AM – 5:00 PM at: 203.830.6927 or via email: treasuryservices@unionsavings.com

How to Establish Text Alerts

After online banking login is completed, take the following steps to establish text alerts.

Step 1: Add your mobile number to contacts

  • Select “Administration,” then “Self Administration,” then “Personal Preferences,” and scroll down to “Telephone.”
  • Click the Add Icon and select Phone Type from the dropdown.
  • Enter your phone number, check off the “Use with Alerts” box, and click “Update” to complete.

Step 2: Setup Your Text Alert

  • Select “Administration,” then “Communications,” then “Manage Alerts.”
  • Select “Account” from the dropdown and scroll to “Account Reconciliation/Positive Pay.”
  • Click the Pencil Icon next to your established Positive Pay Service, check off “Mobile Number,” and click “Save” to complete (repeat for reminder notification).

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