Fraud Management

Let’s stop problems before they start

Use Positive Pay to ensure accurate payments and prevent electronic and check fraud. You'll save time, money, and hassle. It's easy to set up!

How Positive Pay Works

Catch fraudulent or incorrect payments quicker

Positive Pay compares your issued checks and ACH payments against those presented for daily payment and reports any discrepancies to you. Each day, you’ll be aware of any issues that can lead to fraud losses or disruption of payments to your vendors or customers.


How Positive Pay Helps You

It's like having another pair of eyes

Positive Pay increases the likelihood of preventing altered or fraudulent checks by looking for:

  • Duplicate check numbers and/or amounts
  • Altered amount or payees
  • Unreadable magnetic ink character recognition (MICR) lines
  • Unauthorized or erroneous ACH entries

Protect Your Business from Fraud

How to get Positive Pay

We’ll start getting to know your business goals and needs with this simple form, and a Treasury Management pro (like Michaela) will follow up with solutions that work for you.

Headshot of Michaela Rasmussen

Positive Pay Demo

Learn how to use Positive Pay

You can actively click around and see all the features, tools, and reports with this hands-on Positive Pay demo site.

Frequently Asked Questions

How do you recognize my computer?

When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Union Bank & Trust to validate your identity and does not contain any personal information.

What is the padlock icon in my browser?

When locked, the padlock icon on your internet browser (Internet Explorer, Google Chrome, Firefox, Safari, etc.) indicates the console is running in secure mode. In this case, communications between the client platform running the console and the managed computer are encrypted using SSL. The padlock icon is open when secure communications are not active.

The location of the padlock can vary by web browser, but is typically located on either the left or the right end of the field where the url (web address) is listed.

You may also confirm you are on a secure site (like Union Bank's web site) when the url (web address) for the page you are on begins with "https://" 

What can I do to protect my accounts and personal information while I am banking online?

When using the internet, there are several ways to protect your accounts and personal information, including:

  • Memorize your Username and Password. Do not store them in documents that can be accessed through your computer unless those documents can be password protected.
  • Do not use easily verifiable information, such as birth dates, social security numbers and addresses when creating usernames or passwords.
  • Frequently change your password. You can change your UBTgo password when you're logged in by clicking Profile > Profile Updates > Change Password.
  • Completely sign off after each online session
  • Be aware of potential online scams - many scam websites will ask you to provide account information for you to receive "free trials" of products or services, which they then charge you for.

If you ever have doubts about the website you are visiting, simply call the company that runs the website and ask questions. Most legitimate companies will have no problem speaking with a potential customer about security and online safety.

I shared information about my account. What should I do?

If you have shared information about your account, we suggest you follow these steps.

  • Contact your financial institution(s) immediately and close any card(s) or account(s) in which you provided information.
  • Monitor your bank statements for any unauthorized activity. If you see anything suspicious, contact your bank immediately.
  • If you shared your SSN, contact Annual Credit Report
    By Phone: 1-877-322-8228
    By Mail: Annual Credit Report Request Services
    PO Box 105281
    Atlanta, GA 30348-5281

    Order a copy of your credit report to determine if there are any unauthorized transactions on your credit.

  • You have the option of placing a fraud alert on your credit by contacting one of the three major credit bureaus (Equifax, Experian, TransUnion).

Refer to the Security & Fraud section of our website for more information about fraud, scams and what to do if you become a victim.

How do I know an online transaction is safe?

Secured connections to websites are provided by a technology called Secure Socket Layers, or SSL. SSL secures Web sites by providing "certificates" of data, verifying that your browser is actually communicating with a particular Web site, rather than an Internet "hacker" who is attempting to replicate the site.

Whatever site you visit and whenever you need to input personal data, be certain to confirm that the site shows the small lock in the lower portion of the browser window -- NOT inside the window. It signals that your information is secure during transmission. If you double-click on the padlock, you can view the security certificate. The URL in the “Issued to” field for legitimate Union Bank & Trust sites will end in “”

What can I do to protect my personal information?

Some tips for protecting your personal information:

  • Be cautious when providing personal data such as your Social Security Number and bank account or credit card account information over the telephone, in person or on the Internet. Do not give out this information unless you are sure of the person with whom you are dealing.
  • Carry only necessary identification with you. Do not carry your – or other family members' – Social Security card(s). Do not carry passports or birth certificates unless needed that day.
  • Monitor bills and bank statements frequently and immediately report any suspected fraudulent transactions to the holder of your account.
  • Receive and store as many of your account statements electronically as you can.
  • Store cancelled checks, new checks and account statements in a safe place.
  • Question suspicious emails. We will never send you an email asking for your online ID or pass code.
  • Install anti-virus and anti-spyware programs on your home computer. Keep these programs updated.
  • Don't write your personal identification number (PIN), Social Security Number, driver's license number or credit card account number on checks, or on your ATM, credit card or debit card. Stand directly in front of the ATM when entering your PIN.
  • Keep mail secure. Do not mail bills or sensitive information from your home or unsecured mailboxes. Retrieve and review your mail promptly.
  • Tear up or shred pre-approved credit offers, receipts (including ATM receipts) and other information that could link your name to your account numbers.
  • Check your credit report periodically and be sure all information is up to date and accurate. Have any fraudulent transaction deleted. For a free annual copy of your credit bureau report contact or call 1-877-322-8228.