Frequently Asked Questions
Q: What kind of files or accounting software systems are compatible with Check Positive Pay for creating the list of checks?
A: Capital City Bank's Check Positive Pay files may be in either a .txt or .csv format. Any software that generates these file types is acceptable. We will need a sample file in order to map your file specifications into our system. You may also enter single item issues within our program without creating a file.
Q : What information do I need to set up ACH Positive Pay?
A: You will need to provide a list of approved companies you want to allow access via ACH to your accounts. If possible, please provide their ACH ID. You will have the opportunity to approve transactions not on our list when they present for payment.
Q: Who can have access to make pay/return decisions?
A: You will determine who has authority to make pay/return decisions. As part of the setup process, an authority for the business must confirm users and levels of access.
Q: What happens if I don't respond to discrepancies before the cutoff time?
A: The system default decision for ACH positive Pay will be to return the exception items if no decision is made on the transactions in question by the 2:00 pm cutoff time. The default decision on Check Positive Pay will be to pay the item if no decision is made by the noon cut off time.
Q: How will I know if I have an exception item that needs a decision?
A: An email alert will be sent to your business at the beginning of each day when you have an exception. A second reminder alert will be sent one hour before the cutoff time if no decision has been made by your company.
Q. Do I have to use Online Banking to have Check Positive Pay and ACH Positive Pay?
A. Yes, Online Banking with Cash Management is required to access both Check Positive Pay and ACH Positive Pay.
Q: Are Check Positive Pay and ACH Positive Pay available through mobile banking?
A: Currently, these features are not available through Capital City Bank mobile banking.
Q: How do I get started with Check Positive Pay or ACH Positive Pay?
A: To get started, contact a Capital City Bank Business Banking Officer or Commercial Lending Officer.
Q: After I sign up, who do I call for help if I have questions about Check Positive Pay or ACH Positive pay?
A: You may contact the Capital City Bank Business Banking Group.