As a leader in treasury management solutions, Comerica Bank is always looking for ways to improve and streamline our customers’ business banking. Comerica ACH Positive Pay is an online solution designed to provide optimal fraud protection and information management capabilities for ACH (Automated Clearing House) transactions. This positive pay system is the first of its kind and offers complete monitoring and timely control over your company’s ACH activity.

Unlike other methods for credit and debit management which require manual reconciliation after posting, Positive Pay provides you with the ability to review incoming ACH items and accept or reject them before they actually post to your account. If a suspect item appears, you may reject it and it will be returned through the ACH Network as unauthorized, providing invaluable peace of mind and protection against fraud.

In addition, Comerica ACH Positive Pay is secure and convenient to use. Simple access via our Comerica Business ConnectSM portal lets you review the items awaiting acceptance for posting. If you choose to accept the item, it will be sent to Comerica’s demand deposit system for posting that night. If you choose to reject the item, it will be returned as unauthorized.


  • Convenience and flexibility
    • Establish ACH Positive Pay Decision Rules to conveniently accept or reject ACH items, minimizing the need for daily reviewing and decisioning
    • System defaults can be set to accept or reject transactions automatically
  • Save daily processing time by establishing optional ACH Positive Pay email alerts
  • Multiple user capacity with tiered functionality levels
  • Transaction monitoring — View credits, debits, or both
  • Security — Accept or reject transactions before they post to your account


  • Can report all ACH items
  • Easy to use
  • Online availability — Allows for multiple users in multiple locations
  • Multiple cut-off times

As use of the nationwide ACH network increases, you can protect your company from unauthorized transactions posted to your accounts. Comerica’s ACH Positive Pay greatly reduces risk and puts you in complete control of your ACH activity, giving you unsurpassed confidence and security.

To learn more about Comerica ACH Positive PaySM, please contact your Treasury Management Representative, or call Treasury Management Services at 888.341.6490.