Positive Pay is a check fraud detection tool. Each business day checks that are presented for payment against your business account will be available for your company’s review using Business Online Banking. A daily check report provides you the opportunity to identify fraudulent checks. Instructions from your company must then be provided to Mechanics Bank within the specified timeframe to reject and return fraudulent checks. To further automate this service, Positive Pay can be used in conjunction with our automated Check Reconcilement Service.