
ACH Blocks & Filters
CUTX’s ACH Blocks and Filters services gives you control over ACH debits and credits, allowing only approved transactions to process while blocking unauthorized attempts. Stay ahead of fraud threats while streamlining your payment processes with CUTX.
- Set custom rules and filters to reduce the risk of fraudulent withdrawals and unauthorized account access.
- Effortlessly manage approvals with our user-friendly system, ensuring only trusted vendors and payments are processed.
- Gain peace of mind with CUTX’s ACH protection services, keeping your finances secure.

ACH Positive Pay
This service helps safeguard your business from fraudulent ACH transactions. Easily review and approve transactions in real time, minimizing the risk of unauthorized withdrawals. Partner with CUTX today for complete control and peace of mind over your ACH transactions.
- Review and approve ACH debits and/or credits before they post to your account, ensuring only authorized payments go through.
- Set up approved transaction lists and receive real-time alerts for any suspicious activity to maintain full financial control.
- Stay proactive in fraud prevention and gain confidence knowing your accounts are protected.

Check & Payee Positive Pay
By automatically matching checks presented for payment against your issued check/payee records, Check and Payee Positive Pay detects discrepancies and prevents fraudulent transactions before they happen. These enhanced fraud protection tools will help your business operate with confidence, knowing their payments are protected.
- Fraud Prevention: Detect and stop unauthorized/altered checks or altered payees before they clear, reducing the risk of financial loss.
- Enhanced Security: Automatically match issued checks against those presented for payment to identify discrepancies in payee names, amounts, and check numbers.
- Greater Control: Approve or reject suspicious transactions in real time, ensuring only valid payments are processed.
- Improved Account Monitoring: Gain greater visibility into your payment activity, helping you detect fraud trends and strengthen financial oversight.

Reverse Positive Pay
Your business will have greater control over check payments with Reverse Positive Pay. Instead of automatically approving all checks, CUTX will send you a daily report of presented items, enabling you to identify and reject any unauthorized or altered payments before they are processed.
- Fraud Detection & Prevention: Review checks before they clear to identify and stop unauthorized or altered transactions.
- Increased Control: Approve or reject payments in real time, ensuring only legitimate checks are processed.
- Reduced Financial Risk: Minimize losses from fraudulent or erroneous checks by catching discrepancies early.
- Improved Cash Flow Management: Gain better oversight of outgoing payments, reducing the risk of unauthorized withdrawals.

Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to a team member
(214) 818-3231

Get a personalized consultation.
Exclusive Benefits Include
You May Also Be Interested In
General Fraud Protection Tools FAQs
ACH Filter: Allows businesses to specify which ACH transactions are permitted by setting predefined criteria, such as approved vendors or payment amounts. Any transaction that does not meet the criteria is flagged or blocked. This is useful for businesses that need to allow specific ACH transactions while preventing unauthorized ones.
ACH Block: It is a stricter control that completely prevents all ACH transactions from being processed on an account. It is typically used for accounts that should not have any ACH activity, such as savings or payroll accounts, to prevent unauthorized withdrawals or fraud.
Whether Reverse Positive Pay is better than Check or Payee Positive Pay depends on a business’s fraud prevention needs and operational preferences.
-
Reverse Positive Pay requires the business to review checks only when they are presented for payment. The bank does not automatically verify issued checks against a provided list but instead alerts the business about potential discrepancies, leaving the responsibility of reviewing transactions to the account holder.
-
Check Positive Pay is a more proactive approach where businesses send the bank a list of issued checks, including check numbers and amounts. The bank then compares incoming checks against this list and flags discrepancies before processing.
-
Payee Positive Pay adds an extra layer of security by verifying not only the check number and amount but also the payee name, reducing the risk of payee name alterations.
Fraud mitigation tools are essential for small businesses, just as they are for larger companies. Small businesses are often prime targets for fraud because they may have fewer security measures in place compared to larger organizations. Fraudulent activities such as check fraud, ACH fraud, credit card fraud, and phishing attacks can lead to significant financial losses and reputational damage.
By implementing CUTX's fraud mitigation tools—such as ACH filters and blocks, Positive Pay, multi-factor authentication, and transaction monitoring—you can protect your business from unauthorized transactions and cyber threats. These tools help detect and prevent suspicious activity in real time, reducing financial risk and ensuring secure operations.
If your business fails to catch an unauthorized ACH transaction, the consequences can be serious, including financial loss, operational disruption, and potential legal issues. Unlike credit card fraud, where liability protections are stronger, businesses have a limited window—typically two business days—to report unauthorized ACH debits under NACHA (National Automated Clearing House Association) rules. If you miss this deadline, recovering the lost funds can be difficult or even impossible.
Without CUTX's fraud mitigation tools like ACH blocks, filters, or Positive Pay, unauthorized transactions may go unnoticed, leading to ongoing fraud exposure.
Why CUTX?
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
Talk to a team member
Need to speak with someone directly? We have options for that.
(214) 818-3231