F&M Bank's Positive Pay is an online tool that reduces the risk of check fraud. In its simplest form, Positive Pay matches the account number, check number and dollar amount of each check presented for payment against a list of checks you provide.

Benefits include:

  • Manage your own exceptions
  • Customize reporting for your business needs
  • Submit transactions individually or as a file
  • Export data via Excel® or PDF
How To: Access F&M Bank's Positive Pay

Learn how to easily log into Positive Pay.

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How to Use File Submission

Learn how to upload a file of all your issued checks.

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How to Add Issued Check

Learn how to quickly add an individual issued check by entering the account, check number, check amount, issue date and issued payee.

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How to Use Exception Processing

Learn how to quickly review and manage your exceptions using our online platform. Pay or Return items with the click of a button.

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How to Use Reporting

Learn how pull a Transaction Report using a variety of criteria including account, issue date, paid date, input date, exception date and issued payee.

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How To Report for All Paid Checks

Learn how to pull a Transaction Report for all of your Paid items.

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