--- title: How ACH Positive Pay Helps Business Owners Protect Their Accounts description: Running a business means keeping a close eye on your money. 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Common Searches - [Compare Personal Checking](https://bibank-2025.cms.banno-staging.com/personal/compare-checking) - [Contact Us](https://bibank-2025.cms.banno-staging.com/contact) - [Home Loans](https://bibank-2025.cms.banno-staging.com/personal/home-loans) - [Helping Hands Foundation](https://bibank-2025.cms.banno-staging.com/connect/helping-hands-foundation) - [Compare Business Checking](https://bibank-2025.cms.banno-staging.com/business/compare-checking) Routing Number 06​220​5791 ![How ACH Positive Pay Helps Business Owners Protect Their Accounts](https://blog.bibank.com/hubfs/ACH-Bus-Owner-Blog.jpg) # How ACH Positive Pay Helps Business Owners Protect Their Accounts - Home - [Bank Independent Blog](https://blog.bibank.com/blog) - How ACH Positive Pay Helps Business Owners Protect Their Accounts [Stephanie Hipps](https://blog.bibank.com/blog/author/stephanie-hipps) 04/16/2026 [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) [0 Comments](https://blog.bibank.com/blog/how-ach-positive-pay-helps-business-owners-protect-their-accounts#postComment) 2 Minutes ![ACH-Bus-Owner-Blog](https://blog.bibank.com/hs-fs/hubfs/ACH-Bus-Owner-Blog.jpg?width=600&height=429&name=ACH-Bus-Owner-Blog.jpg) Running a business means keeping a close eye on your money. While you are focused on serving customers, managing employees, and planning for growth, fraudsters may be looking for ways to access your accounts through unauthorized transactions. That is why fraud prevention tools like [**ACH Positive Pay**](https://www.bibank.com/business/bank/treasury-solutions) can be so valuable. At Bank Independent, our **Positive Pay service for Check and ACH** helps business owners protect their accounts from unauthorized activity, including counterfeit or altered checks and unauthorized ACH debits. It is a simple but powerful way to add more control, security, and peace of mind to your business banking. ## **What Is ACH Positive Pay?** ACH Positive Pay is a tool that helps prevent unauthorized ACH debits from posting to your business account. ACH debits are electronic withdrawals. Many businesses use them for routine payments like utilities, insurance premiums, vendor bills, and other recurring expenses. While ACH payments are convenient, they can also create risk if an unauthorized company tries to debit your account. With Bank Independent’s ACH Positive Pay service, **all ACH debits are blocked from posting to your account unless you choose to allow them**. You can set up **ACH Filters** to approve debits only from specific companies. If a transaction does not match your approved filters, it is stopped, and you are notified. ### **Why Business Owners Should Care** Fraud can cost your business time, money, and unnecessary stress. [ACH Positive Pay](https://www.bibank.com/business/bank/treasury-solutions#ach) helps you stay in control by putting you in charge of who can withdraw funds from your account. Here are a few of the biggest advantages for business owners: **Better protection against fraud** Unauthorized ACH debits can happen quickly and may go unnoticed until after the money leaves your account. [ACH Positive Pay](https://www.bibank.com/business/bank/treasury-solutions#ach) helps stop those transactions before they post. **More control over your cash** You decide which companies are authorized to debit your account. That means fewer surprises and greater confidence in your account activity. **Quick alerts when something needs attention** If a debit does not match your approved filter, you will be notified by **text or email**, as well as through [**online or mobile banking**](https://www.bibank.com/business/sync#bus_mobile_banking). **Easy exception management** You can review exceptions and choose whether to pay or return them through **Sync Treasury Online or [Mobile Banking](https://www.bibank.com/business/sync#bus_mobile_banking)**. ## **How It Works** Bank Independent’s ACH Positive Pay is designed to make account protection straightforward: ### **Added Protection for Checks, Too** In addition to ACH Positive Pay, Bank Independent also offers [**Check Positive Pay**](https://www.bibank.com/business/bank/treasury-solutions) to help protect your business from unauthorized check activity. With Check Positive Pay, you upload a file with information about the checks you have written from your Bank Independent business checking account. When checks are presented for payment, they are compared against your file. If something does not match, you are notified so you can decide whether to pay or return the item. Together, **Check and ACH Positive Pay** can provide broader protection for your business accounts and help reduce the risk of fraud. ### **Peace of Mind for Business Owners** As a business owner, you already have enough to manage. ACH Positive Pay gives you an extra layer of security so you can focus less on worrying about unauthorized transactions and more on running your business. Bank Independent’s Positive Pay service helps you protect your accounts, monitor activity, and maintain greater control over your business finances. It is one more way we help business owners bank with confidence. 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