Fraud Management

Let’s stop problems before they start

Use Positive Pay to ensure accurate payments and prevent electronic and check fraud. You'll save time, money, and hassle. It's easy to set up!

How Positive Pay Works

Catch fraudulent or incorrect payments quicker

Positive Pay compares your issued checks and ACH payments against those presented for daily payment and reports any discrepancies to you. Each day, you’ll be aware of any issues that can lead to fraud losses or disruption of payments to your vendors or customers.

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How Positive Pay Helps You

It's like having another pair of eyes

Positive Pay increases the likelihood of preventing altered or fraudulent checks by looking for:

  • Duplicate check numbers and/or amounts
  • Altered amount or payees
  • Unreadable magnetic ink character recognition (MICR) lines
  • Unauthorized or erroneous ACH entries

Protect Your Business from Fraud

How to get Positive Pay

We’ll start getting to know your business goals and needs with this simple form, and a Treasury Management pro (like Michaela) will follow up with solutions that work for you.

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Positive Pay Demo

Learn how to use Positive Pay

You can actively click around and see all the features, tools, and reports with this hands-on Positive Pay demo site.

Frequently Asked Questions

What can I do to protect my identity and account information?

Great question! At UBT, we’re doing all we can to keep your data safe, but you can do a lot on your own keep your account information secure. Here are ways to protect yourself against cybercrimes and fraud.

  • Make sure your password is strong with a combination of words, numbers, and symbols that is easy to remember but hard to guess. Using a unique username and password (not just a strong password) for your banking account is critical security and best practice.
  • Be leery of emails you weren’t expecting even if they appear to come from someone you know, and never open attachments or click on hyperlinks in these emails.
  • Remember that no UBT employee or any other bank or IT professional will ever call, text, or email you to ask for your password.
  • Don’t trust unsolicited phone calls or emails asking for payment or personal information.
  • Don’t share or provide a password over the phone or through a link you receive in an email.
  • Don’t click on links or attachments sent by people you do not know through social media messaging apps.
What is UBT doing to protect against cyberattacks?

We want to assure you that UBT has a team devoted to cybersecurity whose job it is to monitor for potential threats and vulnerabilities. They have extensive technical controls in place to protect our networks and data — including your information.

How do you recognize my computer?

When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Union Bank & Trust to validate your identity and does not contain any personal information.

What is the padlock icon in my browser?

When locked, the padlock icon on your internet browser (Internet Explorer, Google Chrome, Firefox, Safari, etc.) indicates the console is running in secure mode. In this case, communications between the client platform running the console and the managed computer are encrypted using SSL. The padlock icon is open when secure communications are not active.

The location of the padlock can vary by web browser, but is typically located on either the left or the right end of the field where the url (web address) is listed.

You may also confirm you are on a secure site (like Union Bank's web site) when the url (web address) for the page you are on begins with "https://" 

What can I do to protect my accounts and personal information while I am banking online?

When using the internet, there are several ways to protect your accounts and personal information, including:

  • Memorize your Username and Password. Do not store them in documents that can be accessed through your computer unless those documents can be password protected.
  • Do not use easily verifiable information, such as birth dates, social security numbers and addresses when creating usernames or passwords.
  • Frequently change your password. You can change your UBTgo password when you're logged in by clicking Profile > Profile Updates > Change Password.
  • Completely sign off after each online session
  • Be aware of potential online scams - many scam websites will ask you to provide account information for you to receive "free trials" of products or services, which they then charge you for.

If you ever have doubts about the website you are visiting, simply call the company that runs the website and ask questions. Most legitimate companies will have no problem speaking with a potential customer about security and online safety.

I shared information about my account. What should I do?

If you have shared information about your account, we suggest you follow these steps.

  • Contact your financial institution(s) immediately and close any card(s) or account(s) in which you provided information.
  • Monitor your bank statements for any unauthorized activity. If you see anything suspicious, contact your bank immediately.
  • If you shared your SSN, contact Annual Credit Report
    Online: www.annualcreditreport.com
    By Phone: 1-877-322-8228
    By Mail: Annual Credit Report Request Services
    PO Box 105281
    Atlanta, GA 30348-5281

    Order a copy of your credit report to determine if there are any unauthorized transactions on your credit.

  • You have the option of placing a fraud alert on your credit by contacting one of the three major credit bureaus (Equifax, Experian, TransUnion).

Refer to the Security & Fraud section of our website for more information about fraud, scams and what to do if you become a victim.