Our comprehensive and innovative online business services are designed with one thing in mind: your business. Whether you need remote deposit capabilities or online banking, we have the services that will help you achieve your business goals.


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VNB® Positive Pay offers an efficient means to strengthen control over check issuance and payment, thereby significantly reducing the risk of unauthorized check payment activity on business accounts. VNB® Positive Pay is considered the single best method for prevention of check fraud. VNB® Positive Pay is an online application that can be utilized to perform a variety of functions and deliver check issue files to the Bank, review exception items, and view images of those exceptions conveniently and safely over a secure internet connection.

To provide even greater control over a customer's disbursements and increased efficiency in account reconciliation and recordkeeping, VNB® Positive Pay may be combined with other Treasury Solutions services such as Controlled Disbursements and Account Reconcilement.


  • Online access to Positive Pay service for submitting issue files, viewing exceptions and making payment decisions
  • Integrated Account Reconciliation service
  • Convenient and easy to use from virtually any internet connection with 24/7 access
  • Multiple levels of security
  • Variety of reports available in multiple formats including PDF and CSV comma delimited file download options
  • Email alerts to notify customers of pending cut-off times and important account information


  • Reduced the risk of check fraud
  • Allows customers to quickly intercept suspect items presented for clearing against their account(s)
  • Cost-effective compared to potential losses from check fraud
  • Saves time and money over manual reconcilement procedures
  • Improves reconciliation process and recovery time for unauthorized payments by detecting errors prior to cycle-end

To learn more about VNB® Positive Pay, contact your Valley representative, stop in one of our conveniently located Branches, call 1-800-522-4100, or contact us Online.