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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.
Did the customer authorize the bank to honor the check, notwithstanding the signature, as part of a cash management service (e.g., Positive Pay)? (2) Customer ratified the transaction. A bank is not liable for paying a forged check if its customer approves the transaction, ratifies the forgery, or is otherwise precluded from making a claim (e.g., where the customer intentionally fails to