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Positive pay is the leading method of check fraud deterrence available today. Ëe positive pay process entails a daily reconcilement of a company's issued checks to checks presented for payment to First American Bank to identify potentially fraudulent checks.
When the bank gives you a credit, you get more money. Based on that transaction, it would appear that credit = positive, when in fact the opposite is true. The reason why the bank calls it a credit is because it is a credit on the bank's books. They just reduced the amount of money in their account, and thus credit = negative. But because your account increased, it's actually a debit in your books. That's just one more way you can see that the bank is thinking about their own profit--not yours. It's positive because it increases the cash account.