Business team working on fraud prevention 

Fraud Prevention Services

Mitigate your exposure to fraud.

Shield with padlock on itFraud Prevention Services

Mitigate your exposure to fraud.

Financial losses from check and ACH fraud reach into the billions each year and affect organizations of all sizes. Safeguard your funds and help prevent fraud with Check and ACH Positive Pay. Through early detection of altered or counterfeit checks and unauthorized ACH debits, Macatawa Bank’s Positive Pay Services provide your organization with comprehensive fraud detection systems.


Check Positive Pay
Our secure web-based Check Positive Pay solution lets your organization electronically submit issued check files, manually input or void issued items, and make daily pay or return decisions for exceptions.

  • Online pay/return decisioning
  • Automated exception notification emails
  • Check image integration
  • Real-time teller line integration
  • Flexible check issue file formats
ACH Positive Pay
ACH Positive Pay allows you to configure transaction filters and make daily pay or return decisions for exceptions.

  • Online pay/return decisioning
  • Automated exception notification emails
  • Dollar threshold based filters

How it works


Check Positive Pay
Presented checks are compared against the check issue file you submit. Items that have already been paid, were not listed on the check issue file, or contain discrepancies from the check issue file are routed to your exception queue for review and decisioning. Automatic email alerts notify you that you have exceptions to review. The integrated check imaging makes determining the legitimacy of the check quick and easy.

ACH Positive Pay
Incoming ACH transactions are compared against the ACH filters you have established. Items that do not meet your filter requirements are routed to your exception queue for review and decisioning. Automatic email alerts notify you that you have exceptions to review. The integrated “create filter” option on the decision screen makes establishing ACH filters for new parties quick and easy.

For ways to protect your organization against additional types of fraud, please visit our Business Safe Banking Tips page or complete the form below.



Ready to talk to an expert about the best tools to help grow your business?

Fill out the form below and we’ll contact you.

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.  * = Required field.

Preferred form of contact*