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Positive Pay

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Positive Pay

Our check and/or ACH activity monitoring tool, also known as Positive Pay, provides an effective and practical business solution that helps you guard against check and/or ACH fraud. This service delivers protection on a daily basis against losses due to fraudulent payments and the presentation of unauthorized items to MidWestOne Bank.


  • Detects suspicious activity
  • Reduces risk of financial loss
  • Safeguards your company’s reputation
  • Reinforces your audit trail
  • Simplifies account reconciliation

Types of services

  1. Check - You submit a file daily telling us which checks have been issued.
  2. ACH – You provide guidelines for monitoring ACH activity to us. Any transactions that do not meet those guidelines require your approval before being posted to your account.
  3. Reverse – You manually monitor check activity and notify the bank when a check should be returned

Additional Tools