What's Changing for Check Positive Pay

  • Check Positive Pay decisioning cutoff times will occur later than at CCB.
  • Default decisioning will be applied at the account level if no action is taken.
  • Mobile decisioning will not be available; decisioning must be completed on a desktop.
  • Issue files and templates will need to be rebuilt prior to conversion.

Cut Off Times

  • Check Positive Pay and Reverse Positive Pay decisioning cutoff time will be 3:00 p.m. CT, which is later than at CCB.
  • Any items not decisioned by 3:00 p.m. CT will follow the default decision selected on your Master Enrollment Agreement.
  • Check exception decisions are released once daily by 10:00 a.m. CT.

User Access

  • Users will be set up as part of conversion.
  • Decisioning must be completed using a desktop device; mobile decisioning is not available at FNBO.
  • New users added following conversion must be managed by an account administrator.
  • If user permission changes are needed, an account administrator can update access.

Reporting & Historical Data

  • Historical Check Positive Pay reports will not be converted to FNBO.
  • Customers should download or print reports needed for recordkeeping prior to September 10.
  • Outstanding issued items will expire and drop off after two years from the check date.

Alerts

  • First alerts will be sent at 10:00am CT which is later than they were delivered at Country Club Bank.
  • Items are available for review once the alerts are sent.
  • A reminder alert will be sent at 2:00 p.m. CT.
  • Optional issue file load alerts are available and will confirm file success or failure.
  • Alerts are delivered by email only; text notifications are not available.

Decisioning

  • At conversion, outstanding issues will be converted and users will be set up for decisioning.
  • Items not decisioned by the cutoff will follow the default decision selected on your Master Enrollment Agreement.
  • Customers who prefer default decisioning at the profile level may contact their Payment Advisor to request a change.

Issue Files

Customers using issue files should be aware of the following requirements at FNBO:

  • Issue files may be submitted in CSV, TXT, or XLS format.
  • Files must include the account number.
  • Files may be transmitted via SFTP.
  • Action required: Updates must be completed prior to September 14, or issue files may not load successfully.
  • Issue files and templates must be rebuilt, as existing payroll, operating, and payable files will not convert due to additional field requirements.

For detailed specifications, refer to the Creating an Issue Template section of the digital user guide.

View the Guide

Need help with Check Positive Pay?

Your Payment Advisor or Treasury Sales Representative can assist with decisioning setup, issue file requirements, user access, and reporting questions throughout the conversion.

Email Us

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