Positive Pay

Two business people working on their laptop at an office.

Help protect your business from check fraud with F&M Bank's Positive Pay service. Retail and wholesale businesses of all sizes can monitor checks processed for payment against their account and reject unauthorized transactions before losses occur, allowing them to feel secure about the money coming out of their accounts.

This automated service compares each check presented for payment against your check issue file. You can view the image of any check flagged by our service before deciding which items to pay or return, monitor daily incoming clearings and return fraudulent items.

Positive Pay assists with:
  • Fraud Prevention

  • Loss Mitigation

  • Streamlined Reconciliation

For more information on Positive Pay or F&M Bank's other business services, please email Business.Services@fmbnc.com.