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How to Reduce Fraud with Cash Management Banking Tools

Cash Management | Fraud Prevention

In addition to helping you streamline your cash flows and cash reporting, there are a variety of Cash Management products and services that can help protect your business against fraud. Using a combination of Cash Management tools and best practices as part of your business routine can help you spot, report, and stop fraudulent activity.


Reviewing your account statements regularly is one way to spot fraudulent activity. With online eStatements and secure internet access, you can view, print, or download your Business Account statements anytime, anywhere. When your statement is ready, you receive a link via email and can access your statement immediately, saving time over waiting for a paper statement to arrive in the mail. Statements are available for download from the system for 72 months.

Online Banking

Accessing your account online allows you to monitor account activity at any time, from anywhere with a secure Internet connection. Check your account balances, deposit activity, and cleared payments quickly with no need to wait for a monthly statement.

Check & ACH Positive Pay

Check & ACH Positive Pay are automated tools that detect suspicious transactions, reducing the risk of financial loss and safeguarding the reputation of your business.

Check Positive Pay matches criteria such as the account number, check number, and dollar amount of each check presented for payment on your account against a list of checks previously authorized and issued by your business.

ACH Positive Pay is an automated fraud detection tool that allows you to define rules to monitor and manage ACH debits and credits posting to your account.


The CardValet® Mobile Banking App can keep you informed when your debit cards are being used. Businesses can use transaction controls for merchant codes, locations, transaction types, and thresholds to ensure employee spending adheres to company policies. In addition, you can safeguard your cards by turning them "off" if they're misplaced or stolen, and back "on" when you're ready to use them.

Best Practices

In addition to specific banking products and services, there are ongoing best practices you should consider to help you monitor your accounts.

  • Daily Account Review – check your balances and account activity daily using Online Banking.
  • Monthly Reconciliations – reconcile your statements promptly to ensure that cleared transactions and account activity are for the amounts and payees expected.
  • Dual Control – requiring two people to authorize and release outgoing transactions helps prevent errors and fraudulent activity.

Helping you protect your company’s financial information is important to us. For additional information on how to protect your accounts, please visit

If you would like to speak to an Enterprise Banker about Cash Management products and services to further help protect your business, please call us at 877-671-2265

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