Protect Your Business with Integrated Fraud Prevention Services.
FRAUD & PROTECTION SERVICES
Our interconnected solutions provide your business with the tools it needs to detect, combat, and prevent fraud.
Increase Your Efficiency and Profitability
Equip your business against payment fraud with our expert advice and resources.
Facts About Fraud
Rapid Threats
Fraudulent wire and ACH transfers can occur within days or even hours of the exposure.
Covert Breaches
You may not even realize your organization's account information has been compromised until it's too late.
Recovery Challenges
Retrieving lost funds typically involves a lengthy and complex process with no assurance of full recovery.
Essential Assessments
Regular reviews of your business's fraud risk and control measures are crucial in safeguarding your financial resources.
Positive Pay Services
Mitigate the risk of check fraud with our Positive Pay Services. Share an electronic file of check issuance details with us. With Positive Pay we will compare incoming checks serial numbers and dollar amounts against your records, alerting you to any discrepancies for your review. Our Payee Positive Pay service we will compare incoming checks serial numbers, dollar amounts and payee name against your records. And with Reverse Positive Pay there is no need to submit a file. M&T will report all your paid checks from the previous business day, and you review and return any paid check you determine to be unauthorized.
Additional Check Fraud Prevention Services:
Check Block
Lock down your account against check fraud. All checks will automatically be returned.
Maximum Dollar Protection
Set a ceiling on check amounts to automatically flag and review any high-value transactions.
Stale Date Protection
Avoid outdated check fraud with automatic rejection of old checks.
Combine with our Account Reconciliation Services for an even more robust defense against fraud.
Secure your Automated Clearing House (ACH) transactions with comprehensive oversight and control over electronic payments.
Scrutinize transactions with an extra layer of security, ensuring only legitimate payments are processed.
Access detailed records of your transactions to monitor and review payment activities efficiently.
Enjoy a direct, secure channel for your ACH transactions, minimizing risks and delays.
Understand the clear, straightforward setup process and transparent fee structure for using our ACH Monitor service.
ACH Account Number Masking with UPIC
Enhance your payment security with a Universal Payment Identification Code (UPIC), masking your sensitive account information during ACH transactions.
Security Benefits
Your UPIC acts as a shield, hiding your real bank details from potential fraudsters, significantly reducing the risk of unauthorized access.
Operational Benefits
A UPIC increases the security of ACH payments so you can enjoy benefits like reduced processing times, decreased reliance on paper transactions, and lower costs.
Account Validation Services
Using the Account Validation Treasury Center widget, enter the payment receiver’s account and routing number to validate the status of an account.
Key Benefits:
A fraud prevention tool that will assist in reducing ACH returns.
Complies with NACHA Rule for ACH Originators of Web debitsto validate the receiving account is open and active before sending a debit.
Features:
Treasury Center Widget
Instantly validates approximately 66% of receiving accounts nationwide.
Allows Originators ACH, Instant Payments, and Domestic wires to validate most Business & Consumer accounts for Account Status and Account Ownership.
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Learn more about the benefits for your business.
Start a conversation with one of our dedicated team members today to discuss your service needs and learn how you can unlock greater accuracy and efficiency with M&T Bank's personalized solutions. Call 1-800-724-2240 (Monday-Friday 8am-6pm ET) to speak with us or complete the form.
