Cash Management and Business Services

Positive Pay is a complimentary fraud prevention solution from APGFCU, built to protect your business from check and ACH fraud before it impacts your bottom line.

How It Works

Positive Pay compares checks and ACH transactions presented for payment against your issued items. If discrepancies are found—such as mismatched check numbers, amounts, or payees—the item is flagged for your review and approval.

Key Benefits

• Free for all business members – No added cost for peace of mind
• Enhanced fraud detection – Includes Payee Positive Pay for added verification
• Digital review tools – Easily approve or reject flagged items online
• Improved cash control – Prevent unauthorized payments and reduce losses

Service Highlights

• Save time by depositing checks remotely
• Avoid trips to the ATM or branch
• Remote Deposit Capture is safe and secure
• Easy and convenient to use from any location with a compatible scanner

APGFCU, in partnership with Fiserv^®, delivers payment solutions to help make your payment processing more efficient and profitable. Our quality and service, combined with our proven payment industry expertise, uniquely positions us to meet the needs of your business now and in the future.

Service Highlights

• Fiserv^® processing solutions, including Clover*, for all major credit and debit cards
• Quick and seamless start-up
• Superior service and support 24/7
• Point-of-sale solutions
• PCI compliance for cardholder data security
• Focused on you

*© 2024 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Service Highlights

• Process incoming and outgoing transactions with Automated Clearing House (ACH) services
• Move money from one account to another, quickly and cost-effectively
• Simplify the process of making payments and minimize the number of paper checks issued
• Improve security and reduce the risk of fraud
• Create templates to help streamline future ACH processing

Service Highlights

• Manage your accounts 24/7 from anywhere
• Real-time balance and reporting information
• 36 months of online statements
• Account data, payments, transfers, ACH origination, Quicken/QuickBooks, check images, mobile deposit, and more!