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Positive Pay

Positive Pay is a secure and powerful online tool giving businesses the fraud protection and information management capabilities to monitor check and/or Automated Clearing House (ACH) activity.  Positive Pay from MidWestOne Bank helps your business:

  • Detect suspicious activity
  • Reduce risk of financial loss
  • Safeguard your company’s reputation
  • Enhance the visibility of check and/or ACH activity
  • Solidify internal controls
  • Reinforce your audit trail
  • Minimize disruption to operations
  • Simplify account reconciliation
  • Automate accounts payable workflow
  • Save time by reviewing only exceptions

MidWestOne offers three types of Positive Pay:

  • Check - Your business submits issued check files daily to the bank
  • ACH – Allows your business to block and/or filter certain ACH transactions
  • Reverse – Your business monitors check activity and notifies the bank when a check should be returned

Walk through our demo or view our step-by-step online help guide.


Check Positive Pay: $50.00* per month

ACH Positive Pay: $50.00* per month

Reverse Positive Pay: $40.00* per month

Each additional account $30.00* per month

* Iowa State sales tax applicable.

Talk to your MidWestOne Banker about these options and to get started!