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Cogent Bank

Learn more about Positive Pay

Cogent Bank provides an effective and practical solution to help you guard against check fraud. Positive Pay provides protection daily against losses due to fraudulent check payments and the cashing of unauthorized checks presented at a Cogent Banking Center.
  • As checks are presented for payment we systematically compare the dollar amount and check number to your check issue file. If the check does not match we present this item for for a pay or no pay decision via Online Banking.
  • Eliminates potential check fraud