Positive Pay and ACH Filter

Preventing financial loss from check fraud, electronic fraud, or Internet security breaches has become paramount today for you and your business. Bank of the Cascades offers comprehensive, state-of-the-art services and information to help protect your business and give you greater peace of mind.

Positive Pay
This service allows you to quickly identify, review and act upon suspicious or unauthorized checks presented for payment, significantly reducing monetary loss from check fraud. Available via our Online Business Banking, the service matches the account number, check number, and dollar amount of each check presented for payment against a check issue file you provide. All three components of a presented check must match for it to be paid. Quick detection of any inaccuracies is assured by submission of your daily check issuance information.
Positive Pay demo

ACH (Automated Clearing House) Filter
This risk management tool, for businesses of any size, is designed to help control ACH debits and/or credits to your account(s). It protects against unauthorized or erroneous ACH entries, thereby also protecting against electronic fraud. The ACH filter allows Bank of the Cascades to compare the incoming 10-digit ACH company ID number to the authorizations your business has on file to determine which items will be accepted or rejected.

Select from five different, flexible options for your business:

  • Accept Only: allows you to accept only those ACH items designated by your company identification number
  • Credit: allows you to exclude all incoming ACH credits
  • Exclude Only: allows you to accept all incoming ACH items except those designated by your company ID number
  • Debit: allows you to exclude all incoming ACH debits
  • Block All: allows you to block all incoming ACH items

*Note: There are fees associated with the above services. Contact your Treasury Solutions Officer or Customer Service for details. Or, visit your local Bank of the Cascades branch and ask for a Schedule of Fees for the most current pricing.

Best Practices in Internet Security
Internet security is a growing concern for all businesses trying to protect themselves from unlawful access to their online bank accounts and other sensitive information. As a financial institution entrusted with the safety and security of all our customers’ accounts and funds, no one understands this or takes better security measure than we do. That is why we offer here Best Practices that your business can implement to help limit the risk of a security breach. While it is no guarantee, it is important to educate and protect yourself when using Internet connected systems.

For more information, please contact your local branch or our Customer Service at 541-617-3500 or 877-617-3400.