Transaction Management System (TMS)

German American Bank offers TMS products to help prevent fraud by utilizing powerful fraud prevention tools – Check Positive Pay, ACH Positive Pay and Account Reconciliation – dedicated to monitoring transactions for legitimacy.

Check Positive Pay electronically monitors check transactions for unauthorized or fraudulent activity, enhancing your safeguards against fraud.² Accessed via Business Online Banking, Check Positive Pay lets you transmit check data to German American Bank when you issue checks. Items presented for payment are quickly scanned for inconsistencies with the data in our database. Items not found will be reported to you as exceptions that require a pay or return decision. You can view digitized images of exception items online to help make the call.

ACH Positive Pay addresses the need to act more diligently in monitoring ACH activity due to the rising potential for ACH fraud based on an increase in ACH transactions for corporate payments.¹ ACH Positive Pay provides a simple, effective solution that defines ACH business rules at the account level. In turn, every ACH transaction posted to the account is scrutinized to determine whether a transaction warrants further review.

The business rules that support ACH Positive Pay include:

• ACH Authorization, which scours a list of ACH transactions pre-approved to post to an account for ACH business rules such as originating company, standard entry class, transaction type and maximum dollar amount
• ACH Transaction Monitoring, which provides a list of general guidelines for monitoring ACH activity and alerts you of items that exceed these guidelines

Account Reconciliation is an additional add on product that provides numerous ways to manage transaction activity and reconcile accounts, including everything from a full online reconcilement statement to a downloadable reconcilement file.¹ If you do business at multiple locations, you'll benefit from deposit reconciliation, which provides a detailed list of all deposit activity for the reconcilement period, grouped by location. Here's the full list of account reconcilement tools available through German American Bank:

• Online full account reconcilement statement
• Online check reconcilement statement
• Online reconcilement reports
• Outstanding, paid and stale checks
• Deposit Reconcilement Statement

• Check Positive Pay reduces fraud losses by identifying unauthorized checks for return
• ACH Positive Pay includes exceptions for unauthorized ACH activity
• Automated emails notify you of the presence of exception items or alert you of ACH activity
• Check image integration lets you view images of exception items
• Deposit reconcilement summarizes deposit activity by branch/location
• Integrated data mapping utility allows German American Bank to accept issued check file formats that are native to your accounting system
• Online exception management enables you to make pay/return decisions via the web for both check and ACH exceptions
• Reverse positive pay functionality provides added flexibility with fraud prevention options