HBI Bank Bank and Trust (FNBT) offers robust fraud management solutions to protect your business.
Fraud Management Solutions
Customizable notification emails and/or SMS text alerts allow you to accept or reject suspicious ACH and check transactions in real-time, even before funds are removed from your account. Download our Fraud Management User Guide to get started!
When you log into your Business Online Banking environment at www.bankatfirstnational.com or through our new Business Mobile App, you’ll select Fraud Management / EDI from the left menu (as shown in the screenshot).
Once selected, you’ll be taken to your Fraud Management Dashboard which will display the services your Company is currently enrolled in.
Accept or Reject Transactions - Key Things to Know
- The cut off time for making 'Pay' or 'Return' decisions on Check or ACH exception items is 11:00 am CT
- The default decision for all exception items is 'Return'.
- You may change a 'Return' decision on an exception item to 'Pay' before 11 a.m. CT if you choose.
- 11:00 am CT is a hard cut off time (automatic system generated) - if this deadline is missed, items will be automatically returned.
- SMS Text and Email notifications are available to alert you when an exception presents against your account.
Check Positive Pay – Important Things to Know
- Items not on your Issued Items list (exception items) will have a default setting of “Return”
- Users at your company with the access to make exception decisions will have until 11 am CT on the current business day to change the default decision from Return to Pay, if needed
- Customized templates can be created fit software needs
- SMS Text and Email notifications may be setup and customized
ACH Blocks & Filters – Important Things to Know
- ACH items presented from a company not on your Approved ACH Company list (exception items) will have a default setting of “Return”
- Users at your company with the access to make exception decisions will have until 11 am CT on the current business day to change the default decision from Return to Pay, if needed
- Authorized users can build approved and/or blocked lists and can limit transaction amounts by dates and frequencies
- SMS Text and Email notifications may be setup and customized
We’re Here to Help
Feel free to reach out to your Relationship Manager, Cash Management Officer, or contact our Business Connection Support Team by phone at 1-888-255-2114 or by email at BusinessConnection@bankatfirstnational.com.
