Positive Pay

With our easy Positive Pay solution and branch network monitoring, you can be protected from fraud and potential losses. With Positive Pay, you’ll upload the serial numbers and amounts of every check you’ve issued. When a check is presented for payment, My Bank compares the numbers and amounts to ensure that it’s a check you’ve written. Any checks that don’t match will be brought to your attention.

  • Enhance your pay/return decision making
  • Maintain tighter controls of your disbursements
  • Review suspicious items efficiently and effectively
  • Get enhanced Positive Pay protection through our Community Office network

First United offers three additional ways to protect your business with Positive Pay. Choose any or all of these additional options that will meet your unique needs.

Payee Positive Pay

The check payee is added to your check files for comparison purposes, adding an additional layer of security.

Reverse Positive Pay

Every check presented to the bank is considered an exception item and you can decide if the check will be paid on the next business day.

ACH Positive Pay

This solution gives you the ability to set up ACH debit blocks based on ACH parameters like dollar amount or ACH company ID.

contact usfind a business banker
“ If you want your community to survive and thrive, you’ve got to support it. The VIP service we get from My Bank makes it possible for Andy and I to coach the local little league, T-ball and serve on the Frostburg City Council. First United is a hometown bank that supports hometowns... and the people who live here.” -W. Robert Flanigan and Andrew J. Smith, General Partners Mountain View Estates



Some customers have reported receiving text message alerts, stating that their debit card has been "blocked" and that they need to reply to the text message with their full debit card number. This is a phishing attempt and you should never enter your card information or any other private personal information into a text message or email.

Please know that First United will never ask you for confidential or private information through text, email or social media channels. If you are ever unsure about a communication from the Bank, please contact our Customer Care Center directly at 1-888-692-2654.