Positive Pay

ESL Positive Pay adds another level of security to your ESL Business Analyzed Checking Account. When you sign in to Business Online Banking, you can:

• Reduce the risk of fraudulent activity.
• Protect your account by identifying fraudulent transactions.
• Protect your assets from theft, forgery, alterations, and electronic check fraud.
• Make fast online decisions about payments and returns.
• Manage your Positive Pay service easily through ESL Business Online Banking. No separate login required.
• Don’t have time to upload a file? Review all checks that have cleared your account and return unauthorized payments with Reverse Positive Pay option.
• Looking for even more security? Add Payee Positive Pay option to filter against payee names.

You need an ESL Business Analyzed Checking Account and to be a registered user of ESL Business Online Banking.

Choose the Positive Pay service option that meets your needs:

Check Positive Pay — Identify any transactions that may be unauthorized against your account. Here’s how it works.

1. Step One. Notify ESL about checks you’ve issued. You can either:

• Manually enter the information through the Account Reconciliation Services section of Business Online Banking, or
• Upload a file to ESL with information on all the checks you’ve written.

2. Step Two. We will compare the information you provide with the checks ready to clear your account. For additional security, you can add the Payee Verification option so we also compare the payee name. We will ‘red-flag’ any transactions that may be unauthorized so you can review them before they are paid.

3. Step Three. You review all the red-flagged transactions and decide whether to pay or not.

Reverse Positive Pay — Review all checks that have cleared your account and ‘reverse’ the payment on any unauthorized transactions. Here’s how it works.

1. Step One. We provide you with a detailed list of all the checks that have cleared your account.

2. Step Two. You review all of your checks.

3. Step Three. If you find an unauthorized check, you can return it to the originator and have the payment reversed.

Both Check Positive Pay and Reverse Positive Pay are designed to help you protect your assets and prevent check fraud. They are important additions to our comprehensive portfolio of commercial banking services.

Ready to sign up for ESL Positive Pay?

• Please complete an online request and one of our team members will contact you.

More security. More control. Plus online speed and convenience.

Positive Pay is further proof that ESL really means business.