Positive Pay Fraud Protection | Sunstate Bank
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Positive Pay

Smart Check Fraud Protection for Your Business Account

Protect your money from altered or fraudulent checks with Sunstate Bank’s Positive Pay service. By cross-checking every check presented against those you’ve issued, Positive Pay gives you peace of mind - so you can rest assured your hard-earned money is secure.

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Benefits for You

Reduce Fraud Risk

Stop illegitimate checks before they clear your account.

Maintain Control & Visibility

You’re involved in every exception—so nothing passes without your say.

Streamline Account Reconciliation

Catch discrepancies early and reconcile faster with fewer errors.

Free Up Your Time

Automation simplifies account oversight - saving you time and worry.

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What Is Positive Pay - and Why It Matters

Stops Fraud Before It Hits Your Account

  • Checks are verified against a list of those you've written, helping prevent altered, copied, or counterfeit checks from clearing your account.

Match Details Automatically

  • Each check’s check number, amount, date - and sometimes payee - must match your issued list, or it's flagged for review.

You Always Have Final Approval

  • If a check doesn’t match, it’s not automatically rejected. Instead, we alert you - so you can decide to approve or return it.
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How It Works

  • You send us a file listing the checks you’ve issued (including date, number, and amount).
  • As checks are presented, our system automatically compares them against your list.
  • Matching checks are cleared; discrepancies trigger an exception alert.
  • You’re immediately notified to review and authorize or reject the check.

This adds an important layer of protection before checks reach your account.

Why Choose Sunstate’s Positive Pay?

  • Safeguard your personal finances with automated check verification
  • Stay in control of your money with discretionary final approval
  • Peace of mind from one of Miami-Dade’s most trusted community banks
  • Support in English, Spanish, and Portuguese

Good to Know

Protection Level Standard = check number, date, and amount. Payee matching also available (select version).
Exception Alerts You’ll receive notifications to approve or return flagged checks.
Control You decide. We never clear checks without your confirmation.

Curious if Positive Pay is right for you?

Speak with one of our relationship bankers. We’ll walk you through the setup and ensure you understand how your checks are safeguarded.

Contact a Business Banker

Disclosures: Service availability and fees may vary. Terms apply - visit Disclosures for details.