Centrix Positive Pay is one of the most powerful tools you can use to protect your company against check fraud

The basics of Centrix Positive Pay are very simple:

When you issue a batch of checks through your accounting program, each check has a certain profile - the date, the amount, the payee, and the account on which the check is drawn.

Those records are exported from your accounting program, and imported to the Centrix Positive Pay system.

As those checks are deposited and reach us for posting, we compared the details of the check to the details you provided when it was issued.

If differences or discrepancies are found, the check is flagged, and placed in the Centrix Positive Pay "Exception" list for you to review.

You can then determine whether the check should be paid or rejected.

It's a simple but powerful way to stop the most common types of check fraud.

What is Centrix Positive Pay?

Centrix Positive Pay is a simple and effective system for eliminating the most common types of check fraud. It works by comparing the known information about each check - date, payee, amount and account number - against the details of checks presented to us for posting. If any of the details don't match (a discrepancy in the amount, for example) the check is flagged and presented as an "Exception." You can then review the check and determine if it should be paid or returned.

How does Centrix Positive Pay receive the check information?

After you issue a batch of checks in your accounting program, you simply export the information about those checks into a file. The file is then uploaded into Centrix Positive Pay. 

What are "Exceptions"?

Exceptions are items that are presented for posting that do not match the information you provided. For example, the amount, date, payee or account on which the item was drawn are different from what you reported.

What do I do with exceptions?

You can review the exception to determine if the item is legitimate. If it is, you instruct us to pay it. If not, you disallow payment of the item.

Do I have to review every transaction?

No. You will only need to review and act on those items that are flagged as exceptions.

Questions about Centrix Positive Pay

If you have questions or concerns about Centrix Positive Pay, please contact your local branch
or contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.

Contact us online for general inquiries using our online form.


You are now leaving Kirkpatrick Bank's website and will be redirected to another site. Kirkpatrick Bank makes no endorsement or claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from Kirkpatrick Bank.

Click Here to proceed.