Fraud Protection & Account Security

Protect your business accounts with advanced tools that help you detect and prevent check and ACH fraud before it impacts your finances. Chambers Bank offers services that give you greater control and oversight of transactions—so you can bank with confidence.

Check Fraud Protection

• Positive Pay: Provide an electronic listing of all the checks issued from your account. When a check is presented for payment, we compare it against the details you submitted.

• Exception Alerts: If a check doesn’t match the list provided, you’ll receive an alert. You decide whether to approve or decline the payment—helping you stop fraud in its tracks.

ACH Fraud Protection

• ACH Filter & Block: Set rules for how ACH items are processed on your account.

• Custom Controls: Authorize transactions by company name, dollar amount, or both—either in advance or in real time when new ACH items are presented.

With these fraud prevention services, you stay in control of your money while adding an extra layer of security to your accounts.

Why Choose Chambers Bank for Positive Pay?

When it comes to protecting your business against check and ACH fraud, you need more than just technology—you need a trusted banking partner. Chambers Bank’s Positive Pay service gives you both.

Local Expertise, Backed by Experience

We understand the unique challenges local businesses face. Our Treasury Management team combines local knowledge with proven fraud prevention strategies to help safeguard your accounts.

Complete Control and Oversight

With Positive Pay, you decide which checks and ACH transactions clear your account. Our system alerts you to any suspicious activity, giving you the power to approve or decline payments before fraud can occur.

Customizable Protection

Unlike one-size-fits-all solutions, Chambers Bank lets you set custom rules for ACH items—by company, amount, or transaction type—so your protection matches the way your business operates.

A Hometown Partner You Can Trust

As a community bank, we value long-term relationships with our business customers. Positive Pay isn’t just software—it’s part of our commitment to helping you grow and protect your business.

FAQs for Positive Pay

Q: How does Positive Pay protect my account?
A: Positive Pay compares checks presented for payment to the check file you submit. Any mismatch triggers an alert for you to review and approve.

Q: What happens if a fraudulent check is detected?
A: If the check is presented at any Chambers Bank branch, we will call you for confirmation. Otherwise, you are notified the morning after the check posts.

Q: Can I set rules for ACH transactions?
A: Yes. With ACH Filters and Blocks, you can define authorized transactions by company, dollar amount, or both, either in advance or as new ACH items arrive.

Q: Who benefits from these fraud protection tools?
A: Any business that issues checks or receives ACH transactions can use these services to reduce fraud risk and safeguard accounts.