Fraud Prevention

Check Positive Pay is an important tool in preventing check fraud. As checks are presented against your business account, we will electronically match those checks against a list of checks previously authorized by your company. Any item that is not on the check issue list is reported as suspect and you decide to pay or return the item. Decisions must be made by 12:00 pm CST.

• A Commercial checking account is required
• Commercial Center access is required
• Through the Positive Pay Single Sign On access in Commercial Center, you can:
  • Upload check issue files
  • Review images and exceptions
  • Make Pay/Return decisions
  • Manually enter single check issues
• Request reconciliation reports: Full or Partial Recon
• Receive alerts to notify authorized users of exceptions

ACH Positive Pay protects your business checking account from fraudulent electronic transactions, similar to Check Positive Pay. Using pre-established blocks and filters, ACH Positive Pay adds an additional level of control and security over your ACH transactions. Companies can choose to:

• Review all incoming ACH Debits and Credits
• Add Block and Filter rules by company
  • Review ACH activity over a specified dollar limit
  • Block ACH activity over a specified dollar limit
  • Accept all ACH transactions for a specified vendor
  • Block all ACH transactions for a specified vendor
• Make pay and return decisions through Commercial Center by 12:00 pm CST
• Receive alerts and notifications for items that have been blocked or filtered

TBK has you covered regardless of the way you choose to access your banking information:

Secure Browser
Secure Browser is a feature of Commercial Center and Small Business Center designed to protect companies from malware attacks. Accessed through a “private browser,” the user can only visit approved sites during their banking session, thus making a much safer environment to conduct banking activities.

• WiKID authentication requiring verification and validation
• Secure Browser uses keyboard, data and transaction encryption

Multi-Factor Authentication (MFA)
Multi-Factor Authentication can be used with Commercial Center and Small Business Center to ensure a safe environment for banking and payment origination.

TBK Token Client
TBK Token Client is a software application installed on your workstation that operates separately and independently of Commercial Center or Small Business Center.

• A link to download a software token is available on the login page to Commercial Center and Small Business Center. A one-time passcode (OTP) launches the Token Client and completes the login process.

TBK Mobile Token
TBK Mobile Token is a mobile version of the Token Client. The Mobile Token can be downloaded from the Google Play Store or the Apple Store. To register the token, the user will be prompted for codes that will tie the token to that user and allow them access.

Out-of-Band Authentication
Out-of-Band Authentication allows a registered user to receive a passcode via email or remote device. The user will enter the OOB code on the login screen to validate their credentials and complete the login process.

To enroll for Out-of-Band Authentication contact Treasury Management Support at (844)-824- 2265.

Reverse Positive Pay is available to clients using Small Business Center. This service provides the Fraud Protection that larger businesses gain from Check Positive Pay without the requirement for submitting a file of issued checks daily. The service is ideal for small businesses that do not write a large volume of checks monthly.

• Small Business Center access is required
• Review all incoming checks being paid against your business account
• Make pay and return decisions through Small Business Center
• Receive alerts and notifications when checks are available for review

TBK has you covered regardless of the way you choose to access your banking information:

Secure Browser
Secure Browser is a feature of Commercial Center and Small Business Center designed to protect companies from malware attacks. Accessed through a “private browser,” the user can only visit approved sites during their banking session, thus making a much safer environment to conduct banking activities.

• WiKID authentication requiring verification and validation
• Secure browser uses keyboard, data and transaction encryption

Multi-Factor Authentication (MFA)
Multi-Factor Authentication can be used with Commercial Center and Small Business Center to ensure a safe environment for banking and payment origination.

TBK Token Client
TBK Token Client is a software application installed on your workstation that operates separately and independently of Commercial Center or Small Business Center.

• A link to download a software token is available on the login page to Commercial Center and Small Business Center. A one-time passcode (OTP) launches the Token Client and completes the login process.

TBK Mobile Token
TBK Mobile Token is a mobile version of the Token Client. The Mobile Token can be downloaded from the Google Play Store or the Apple Store. To register the token, the user will be prompted for codes that will tie the token to that user and allow them access.

Out-of-Band Authentication
Out-of-Band Authentication allows a registered user to receive a passcode via email or remote device. The user will enter the OOB code on the login screen to validate their credentials and complete the login process.

To enroll for Out-of-Band Authentication contact Treasury Management Support at (844)-824- 2265.