Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
Positive Pay protects you from fraudulent transactions.
Charlotte State Bank & Trust’s Positive Pay system protects your business against check fraud by warning you of unconfirmed transactions before they are paid. It is simple, secure and safe.
How it works
Positive Pay is easily accessible through your Commercial Online Banking account. You transmit a list of issued checks to us through your online account each day. Then the items are systematically matched by check number, account number and dollar amount to the checks paid from the prior business day. Any item that does not match is automatically presented to you for a payment decision.
Consider these benefits
Positive Pay is easy to use. You also can designate other Online Banking users in your company to upload and/or enter your issued checks.
Safe and Secure
Because items are reviewed daily, fraud can be stopped as it occurs rather than being discovered during account reconciliation.
Quickly view Positive Pay exception items daily.
Need Help with Positive Pay?
We have put together step-by-step instructions to help you create Positive Pay files. If you need further assistance, Contact Us.