Positive Pay detects fraudulent checks and notifies you before they clear your account. The process is simple and designed to minimize risk and exposure to fraudulent payments. As you issue checks, you simply send SouthWest Bank the information to be maintained and verified as the checks come in. SouthWest Bank will notify you immediately of any discrepancies and allow you to make the decision on whether to pay or return each check that is flagged. With Positive Pay, we give you the security you want and the control you need.