Try Positive Pay Free for 3 Months1

Positive Pay helps you identify suspicious checks and ACH transactions before they're processed.
Easy to add. Built for businesses of all sizes. Arizona Financial's business team is here to help you get started.
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More Control. Less Worry.

Fraud can be costly and disruptive. Positive Pay gives you greater visibility into your payment activity, helping you spot transactions that may need attention sooner.
“If I had known about this sooner, it could have saved me $42,000.”
- Mark Robinson, Arizona Financial Business Member
Help Protect Against Costly Fraud

Add another layer of protection that can help reduce the risk of unauthorized transactions.

Stay in Control

Get greater visibility into account activity and review transactions that don't look right.

Built for Businesses of All Sizes

You don't have to be a large company to benefit from stronger fraud protection.

Added Peace of Mind

Gain greater confidence knowing you have another layer of oversight protecting your business accounts.

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Sponsorship Opportunities

Arizona Financial Foundation is proud to enrich the community through ongoing investments, partnerships and philanthropic commitments. If your nonprofit organization supports one of our four pillars, we may be able to help.

To be considered for a donation from the Arizona Financial Community Fund, please learn more about our sponsorship program and submit a sponsorship request.

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Ready for More Control Over Your Payments?

Positive Pay FAQs

What is Positive Pay?

Positive Pay is a fraud prevention service designed to help businesses monitor account activity and identify ACH/Check transactions that may require additional review before they are processed. By adding an extra layer of oversight, Positive Pay can help reduce the risk of unauthorized transactions and provide greater visibility into business account activity.

Whether your business handles recurring payments, vendor transactions or a high volume of account activity, Positive Pay can help you stay informed and better protect your accounts.

How does Positive Pay prevent fraud?

Positive Pay helps businesses identify potentially suspicious transactions before they become costly losses. Instead of discovering fraudulent activity after money has already left an account, Positive Pay provides an opportunity to review certain transactions earlier in the process.

This additional layer of protection can help businesses reduce fraud risk, improve account security, and gain greater confidence in their financial operations.

Is Positive Pay worth it for small businesses?

Many business owners believe fraud prevention services are only necessary for larger companies. The reality is that businesses of all sizes can be targeted for fraud. Positive Pay provides an additional layer of protection that can help small businesses identify potential issues sooner and reduce the risk of avoidable losses.

What are the benefits of Positive Pay?

Positive Pay provides businesses with greater visibility, stronger fraud protection, and added peace of mind.

Key benefits include:

  • Enhanced protection against unauthorized transactions
  • Improved visibility into account activity
  • Earlier identification of potential issues
  • Reduced risk of costly fraud losses
  • Additional confidence when managing business finances
  • Many businesses view Positive Pay as an important part of their overall fraud prevention strategy.
Who should consider Positive Pay?

Positive Pay may be a good fit for businesses of all sizes, especially those that want additional protection against payment fraud.

Many business owners assume fraud prevention services are only for large organizations, but smaller businesses are often targeted because they may have fewer internal controls in place.

If your business regularly sends payments, works with vendors, manages payroll or simply wants greater visibility into account activity, Positive Pay may be worth exploring.

How do I get started with Positive Pay?

Getting started with Positive Pay is simple. Our Business Banking team can help determine whether Positive Pay is a good fit for your business and explain the available options. Our team will walk you through the enrollment process and help you understand additional account enhancements that are right sized for your business.

(1) Positive Pay Information: Positive Pay will be provided at no charge during the promotional period. At the conclusion of the promotional period, the service will automatically continue, and the applicable monthly fee will be assessed according to Arizona Financial Credit Union's current Business Services Fee Schedule unless the service is canceled by the account owner. To cancel the service, a request must be submitted to TreasuryMgmt@azfcu.org and include the business name, requestor's name, and the service being requested for cancellation. Cancellation requests must be received at least ten (10) business days prior to the end of the promotional period to avoid applicable service charges. Fees are subject to change.