Positive Pay Checks Daily Guide

Accessing Positive Pay 

Online Banking

1. Log in to Online Banking
2. Select Tools in the left-hand sidebar
3. Click Positive Pay in the drop-down menu.

Business Banking Mobile App

1. Login to the Business Banking app
2. Tap the More button in the navigation bar on the bottom of the screen
3. Scroll & select Positive Pay in the Login & Security menu.

Manage Issued Checks

Issued checks are the checks written and authorized by your company. Positive Pay compares each check presented for payment against this list. To ensure seamless matching, always add issued checks to the system before they are presented at the bank. You can enter issued checks individually or import them in bulk via a file upload.

Add an Issued Check

1. Select Issued Checks
2. Select the option to add an issued check
3. Select the Account
4. Select or fill in the check details
5. Review the information
6. Click Save.

Issued Check Fields

Set Up an Issued Check File Format

1. Select Settings
2. Click File Formats
3. Click Add File Format
4. Choose the file type of Issued Checks
5. Fill out the required fields in the File Format screen
6. Map required and optional fields
   • When the header line is filled out, Positive Pay will attempt to map all required and optional fields automatically. Review and complete the mapping as needed.

⚠️ Important Note: The payee name printed on the check should be 96 characters or fewer.

Upload an Issued Check File

To add multiple issued checks simultaneously, you can upload a bulk file. Your uploaded file must match a pre-established file format; if your specific format is not listed, you must configure it before uploading.

1. Select Issued Checks
2. Click Uploaded Checks
3. Click Upload File
4. Select the file format
5. Select the file
6. Select Upload.

⚠️ Important Note: If the upload shows errors, correct the file and upload it again.
 

Correct an Issued Check

This feature allows you to edit or correct issued check records that have not yet been presented for payment. When you update an issued check to match a presented item, the corresponding exception is automatically resolved.

1. Select Issued Checks
2. Search for the check by Account, Date Range, or Check Number
3. Select the check
4. Correct the information.
5. Click Save.

Delete an Issued Check

1. Select Issued Checks
2. Search for the check by Account, Date Range, or Check Number
3. Select the check
4. Click Delete.

Manage Check Exceptions

Check exceptions are checks presented for payment that differ from the issued check information or that match a rule requiring review. Positive Pay displays the check image so that it can be compared to company records.
 

Decision Check Exceptions

Exceptions are pending check transactions that require review by an authorized user and a "Pay" or "Return" decision.

1. Select Exceptions
   • You can also select the link in the alert.
2. Select a pending check that needs review
3. Select the check image to view the front and back of the check
4. Compare the check to the company records
   • Review the check number, presented amount, issue date, payee name, check image, and the specific mismatch reason.
5. Select Pay or Return
   • Select a return reason, if prompted.
   • Enter a note, if required.
6. Select Submit.

⚠️ Important Note: If enabled by your company, entering a memo or reason may be required when making decisions. For a payee mismatch, compare the printed payee name to the issued check. If the issued check was entered incorrectly and the check is valid, correct the issued check. When the corrected check matches the presented check, the exception is removed. Any exceptions not decisioned by our daily transaction cutoff times will return by default unless the company settings are changed. 

Approving Decisions

If an approval rule applies to a decision, the decision is sent for approval by an authorized user. Otherwise, the decision is final. 

1. Select Exceptions in the navigation bar on the Positive Pay dashboard
   • You can also click the link in the approval alert.
2. Select a pending check decision awaiting approval
3. Select the check image to view the front and back of the check
4. Compare the check to the company records
   • Review the check number, presented amount, issue date, payee name, check image, and the specific mismatch reason.
5.  Select Approve or change the decision.

⚠️ Important Note: You must submit all decisions and approvals before our daily transaction cutoff times. 

Review Reverse Positive Pay Checks

Reverse Positive Pay helps to prevent check fraud by presenting every posted check to be decisioned by the company. When Reverse Positive Pay is on, every presented check appears in Exceptions for a "Pay" or "Return" decision. Any exceptions not decisioned by the cutoff time will return by default unless the company settings are changed. 

1. Select Exceptions
2. Select a pending check that needs review
3. Select the check image to view the front and back of the check
4. Compare the check to the company records
   • Review the check number, presented amount, issue date, payee name, check image, and the specific mismatch reason.
5. Select Pay or Return
   • Select a return reason, if prompted.
   • Enter a note, if required.
6. Select Submit.

⚠️ Important Note: This feature requires company authorization and must be enabled by Grasshopper Bank. To request Reverse Positive Pay, contact Client Services.

Reporting & Logs

Authorized users can view detailed Positive Pay transaction history and audit logs.

Support

If you encounter any issues or need further assistance, you contact Client Services Monday-Friday 9am-9pm ET by dialing 888.895.9685 or emailing support@grasshopper.bank.

For your convenience, we also offer support via secure message or chat.