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PositivePay file Creator – QB Online

$99.00

Create PositivePay/Secure Check files containing lists of checks approved to pay, ready for submission to your bank. Many banks are supported directly and you can create custom files to match other banks’ specs.

Purchase License

Create Positive Pay files from QuickBooks Online to submit to your bank.

Use this add-in to create Positive Pay files listing checks approved to pay.

This QuickBooks add-in integrates with QuickBooks using a special report.  When using it, you’ll enter the bank account numbers and other information requested by your bank and then create your Positive Pay file without any additional data entry.

Free Trial

Download this application for a free 30-day trial. The Positive Pay creator is fully functional during the trial, which allows you to try before you buy. You can use the trial to test it in your environment. After you purchase, use the product key we’ll issue to unlock the trial to the full version.

What are Positive Pay files?

Positive Pay files contain a list of checks, commonly including check numbers, amounts, payees, and check dates. You send the file to your bank, usually using their website. Once received, the bank will only honor checks in your Positive Pay file. This process prevents fraud by ensuring that your bank pays only pays checks you have issued and for the correct amount.  Many banks support Positive Pay files for business accounts and they typically require different file formats.

Supported positive pay bank file formats

The PositivePay file Creator supports the following bank file formats:

  • Custom File formats  – Define & save custom CSV (comma separated) and TXT (fixed width) files
  • Allegiance Bank – TX
  • Amegy Bank of Texas
  • Amerant Bank
  • American Bank – MD
  • American National Bank – Omaha
  • Anchor Bank of Minnesota – CSV
  • BancFirst – Positive Pay 
  • Bank of America – ARP/Payee Positive Pay
  • Bank of America – ARP/Payee Positive Pay Canada
  • Bank of America – Cash Pro CSV, Cash Pro Online CSV, DRS Platform, and SMS Platform formats
  • Bank of America – Cash Pro CSV 2
  • Bank of America – Cash Pro CSV IMPACS
  • Bank of Greene County
  • Bank of the West
  • Bank United – CSV
  • Bankwell – New Jun’23!
  • BBVA Bank – CSV
  • Bennington State Bank
  • BMO Harris Bank
  • BMO Canada – DCH
  • Branch Banking & Trust Company – CSV and Fixed formats
  • California Bank of Commerce
  • California Bank Trust
  • Capital One Bank – with & without payee names trailer record
  • Capital One Bank – Payee – CSV
  • Centennial Bank (My100Bank)
  • Chase – CSV
  • Chase – ARP Standard
  • CIBC Bank USA – MICASH
  • CIBC – Fixed Width
  • Citibank – CitiDirect SDR, CitiDirect NA, and Standard formats
  • Citibank – Standard Positive Pay – CSV
  • Citizen Union Bank 
  • Citizens Bank – RI – Payee Positive Pay
  • City National Bank – CSV with Payee 50
  • City National Bank – CSV with Payee 140 
  • City National Bank – Fixed Input and Fixed Input with Payee 50 formats
  • CNL BankIberia Bank
  • CoBANK – Standard and MICASH
  • Cogent Bank – CSV – New Jun’23!
  • Colorado Business Bank
  • Columbia State Bank – CSV
  • Comerica Bank – ARP Payee
  • Commerce Bank – New Jun’23!
  • Coastal Bank and Trust (Synovus Bank) – MICASH
  • Citizens Bank – MI/OH/WI
  • Citizens Business Bank – California – New Apr’24!
  • CNB Bank & Trust
  • Dollar Bank – TXT 
  • Eastern Bank
  • EH Private Bank
  • First American Bank Illinois – CSV – New Jun’23!
  • Fifth Third Bank – Standard and CSV formats
  • First American Bank Illinois – TXT
  • First American Bank Illinois – CSV – New Jun’23!
  • First Bank of Highland Park 
  • First Citizens Bank – CSV – New Jun’23!
  • First Citizens Bank – Fixed Width
  • First National Bank of Long Island
  • First National Bank of Ohio – New Apr’24!
  • First Northern Bank
  • First Republic Bank – CSV
  • First Security Bank
  • First Trust Bank – CSV
  • Frost Bank – Legacy
  • Founders Bank & Trust – MI
  • Frost Bank – Payee CSV – New Jun’23!
  • Fulton Bank
  • Great Southern Bank – MO
  • Hampshire First Bank
  • Harris Nesbitt – Issued & Voided Checks
  • Heartland Bank
  • Heritage Bank Northwest – CSV
  • HSBC
  • Huntington Bank – CSV
  • Iberia Bank
  • Investors Bank – CSV
  • Jonah Bank of Wyoming
  • JP Morgan Access – PWS Delimited CSV
  • KeyBank
  • Liberty Bank – New Jun’23!
  • M&T Bank – CSV (legacy format)
  • M&T Bank – Web InfoPLU$ CSV
  • MB Financial
  • MB Financial – Web Express – CSV
  • Mercantil Bank
  • Mid Penn Bank – New Jun’23!
  • MidFirst Bank – New Apr’24!
  • Minnesota Bank & Trust – MICASH
  • NexBank – TX
  • OceanFirst Bank – Fixed Format
  • PNC Pinacle – Delimited – Payee
  • PNC Pinacle – Delimited – Payee (Legacy)
  • PNC Pinacle – Fixed – No Payee
  • PNC Pinacle – Fixed – Payee – New Jun’23!
  • NC Bank of Illinois
  • PlainsCapital Bank – CSV
  • Professional Bank Florida – CSV
  • Provident Bank
  • RBS Citizens Bank
  • Regions Bank
  • Regions Bank – iTreasury CSV – New Jun’23!
  • Royal Bank of Canada – Disbursement Auditor
  • Royal Bank of Canada – Payee Match 2.0 – New Jun’23!
  • Scotiabank – The Bank of Nova Scotia
  • Signature Bank
  • Signature Bank – Payee CSV
  • South State Bank – Payee Verification 
  • Suncrest Bank
  • TD Bank US and Canada
  • TFNB Your Bank for Life – CSV – New Aug’23!
  • Tompkins Trust Company
  • TowneBank – CSV
  • Truist Bank – BB&T Cash Manager – CSV
  • Truist Bank – Direct Transmission Standard Fixed Width
  • Truist Bank – Digital Treasury System Defined Fixed Width
  • Truist Bank – SunTrust – Fixed Width
  • Umpqua Bank
  • Union Bank – No Payee Data, With Payee Data, Tab file, and CSV file formats
  • United Bank – CT & MA – CSV
  • US Bank
  • Valley Bank – New Jun’23!
  • Venture Bank
  • Wachovia Bank
  • Washington Federal – WAFD
  • Wells Fargo – ARP National File (2006)
  • Wells Fargo – ARP Register CSV – California
  • Wells Fargo – ARP Standard Inbound
  • Wells Fargo – ASCII (old)
  • Westamerica Bank – CSV
  • Whitney Bank/Hancock Bank
  • Woodforest Bank – CSV
  • Zions Bank – CSV

Custom Files

You can also define custom CSV and TXT file formats if your bank is not on the list.  This works well for simpler bank requirements.

However, many banks require more detail than is supported using the custom file feature. If this is the case with your bank, we made be able to add it to the list of banks for you. If your bank is not on the list of banks, please send a support request to let us know. We can likely add your bank to the PositivePay tool using your bank’s file specification / requirements document.

 

Screenshots

Release Notes

Review changes – most recent builds first


Upgrade to the latest latest build!

2.41: Changes:

  • Add the following bank file formats:
    • First National Bank of Ohio
    • MidFirst Bank
    • Citizens Business Bank – California
  • Rename Comerica Bank to Comerica Bank – ARP Payee.
  • Rename all four Wells Fargo file types for clarity.
  • Update file format for Comerica Bank – ARP Payee based on updated documentation.
  • Include allowed punctuation characters in payee fields for the file formats Bank of America – ARP/Payee Positive Pay, Bank of America – ARP/Payee Positive Pay Canada, Bank of America – Cash Pro CSV, Bank of America – Cash Pro CSV 2, and Bank of America – Cash Pro CSV IMPACS.
  • Correct the date format for the First Citizens Bank – CSV. Change from DDMMYYYY to MMDDYYYY.
  • Updates to the companion file – which is optionally written with each positive pay file for your records.

2.39: Update detection for Voided checks and their amounts, responding to recent changes: QuickBooks Online now adds “Voided -” to void check memos instead of “Voided:” (clearly a huge improvement).

2.38: Add TFNB Your Bank for Life – CSV and PlainsCapital Bank – CSV file formats. Fix case where you might get a success message after getting an error message that the PositivePay file could not be created.

2.37: Improved messaging on the About & Purchase window. Clean up values sent when creating a support request from within the product.  Make sure the license lasts through the good through date.

2.36: Changes:

  • Code changes to handle both the column titles used by the new report feature and the legacy feature.
  • Documentation changes to keep up with QuickBooks Online changes. Include revised instructions for both the old/classic reports interface and the new one.
  • Remove code that caused the “Bank ID” field to appear whenever the bank format wasn’t on the list of formats.
  • Add messaging when there is a new build/release available.
  • Add the following bank file formats:
    • Bankwell, Cogent Bank – CSV
    • Commerce Bank
    • First American Bank Illinois – CSV
    • First Citizens Bank – CSV
    • First American Bank Illinois – CSV
    • Frost Bank – Payee CSV
    • Liberty Bank
    • Mid Penn Bank
    • PNC Pinacle – Fixed – Payee
    • Truist Bank – Direct Transmission Standard Fixed Width
    • Truist Bank – Digital Treasury System Defined Fixed Width
    • Regions Bank – iTreasury CSV
    • Royal Bank of Canada – Disbursement Auditor
    • Royal Bank of Canada – Payee Match 2.0
    • Valley Bank
  • Rename these bank file formats:
    • Compass Bank – CSV >to> BBVA Bank – CSV
    • JP Morgan – PWS Delimited/CSV >to> JP Morgan Access – PWS Delimited CSV
    • M&T Bank – CSV >to> M&T Bank – CSV (legacy format)
    • First Citizens Bank – Fixed Field >to> First Citizens Bank – Fixed Width
    • Royal Bank of Canada >to> Royal Bank of Canada – Disbursement Auditor
    • Frost Bank >to> Frost Bank – Legacy
    • First American Bank – Illinois >to> First American Bank Illinois – TXT”
    • Pinacle Bank (PNC) – IssueVoidCSV >to> PNC Pinacle – Delimited – Payee (Legacy)
    • Pinacle Bank – CSV >to> PNC Pinacle – Delimited – Payee
    • PNC Bank of Illinois >to> PNC Pinacle – Delimited – Payee
    • PNC Bank – Fixed Length >to> PNC Pinacle – Fixed – No Payee
    • BB&T Cash Manager – CSV >to> Truist Bank – BB&T Cash Manager – CSV
    • SunTrust >to> Truist Bank – SunTrust – Fixed Width
    • SunTrust – with Payee Name Verification >to> Truist Bank – SunTrust Payee – Fixed Width

2.35: Changes:

  • Significant changes to behavior and to clarify messaging when adding product keys.
  • Smarter handling of settings backup file when creating and restoring settings – to help with transition to a new computer.
  • Changes to status messages at top of main window.
  • Smarter code to determine default file name and location, updates to the layout and contents of the Positive Pay Summary Review file that is optionally created for your records each time you create a PositivePay file.
  • Add “Check for Updates” option to the Help & Support menu, which takes you to this page to see if there are updates (free to download and install.)
  • Add link to create a support request to the Help & Support menu – which prefills fields on the support request form.
  • Add the following bank file formats
    • Bank of America – ARP/Payee Positive Pay
    • Bank of America – ARP/Payee Positive Pay Canada
    • Bank of Greene County
    • Capital One Bank – Payee – CSV, Columbia State Bank – CSV
    • EH Private Bank
    • First National Bank of Long Island
    • First Northern Bank, M&T Bank – Web InfoPLU$ CSV
    • Investors Bank – CSV
    • OceanFirst Bank – Fixed Format
    • Professional Bank Florida – CSV
    • Westamerica Bank – CSV

2.34: Changes to make adding bank accounts to the account list easier.  Also fix some issues with deleting accounts and prevent duplicate accounts from being created.

2.31: Improve messaging when the QBO report does not include the correct columns. Update layout for various windows. Update documentation. Improve product key handling.

2.28: Replaced the readme file with updated instructions appropriate for this product.

2.28: Add Bank of America – Cash Pro CSV 2, BB&T Cash Manager – CSV, Citizens Bank – RI – Payee Positive Pay, City National Bank – CSV with Payee 140, Iberia Bank, South State Bank – Payee Verification, TowneBank – CSV, Washington Federal – WAFD bank file formats.  Update the review file contents to include more information about the positive pay file including file name, bank format selected, and the number of checks included in the positive pay file.

2.27: Update the Backup menu items.

2.26: Fix bug introduced in prior release where the review file overrode the main output file.

2.25: Add error messages for cases where the positive pay output file can’t be replaced or created  – such as when the existing file is in use or the file name or path is not valid.

2.24: Fix the Amegy and FifthThird bank file formats to include cents in the dollar amounts.

2.23: Add California Bank of Commerce, Centennial Bank (My100Bank), Fulton Bank, Heartland Bank, Minnesota Bank & Trust – MICASH, Amerant Bank, and Amegy Bank of Texas bank file formats. Update JP Morgan – PWS Delimited/CSV file format to remove a now unused column.

2.22: Add California Bank Trust, Umpqua Bank, and Dollar Bank – TXT file formats.

2.21: Add BancFirst – Positive Pay, Citizen Union Bank, First Security Bank, CNB Bank & Trust file formats.  Correct messaging code for checks that are skipped.  Now include Sales Tax Payment checks.

2.20: Add First Bank of Highland Park.

2.19: Set and correctly display good through date in the About dialog for certain upgrade paths.

2.18b: Installer update to attempt to solve missing ocx control issue.

2.18: Add CIBC Bank USA – MICASH, Bennington State Bank, CIBC Bank USA – MICASH, Citibank – Standard Positive Pay – CSV, First Republic Bank – CSV, Pinacle Bank – CSV, Signature Bank – Payee CSV,  and Suncrest Bank.

2.17: Add Zions Bank.

2.16: Changes to properly include “Payroll Check” type transactions.

2.15: Add 7 new bank file formats.

2.14: Change to save the Skip checks included in prior exports and Bank Code settings with other settings each time you create a positive pay file.

2.13: Add BMO Canada – DCH bank file format.

2.12: Change About & Purchase dialog to handle more than one product key.

2.11: Fix issue where no message appears in a specific case when entering an invalid product key after purchase.