How to use check fraud protection
Check fraud protection helps protect your account from check fraud or misuse by allowing you to monitor the checks you issue for potential fraud.
We offer two types of check fraud protection depending on your needs: Check monitoring and Check protection services. You can select one or the other of these services for each account and manage your selections with J.P. Morgan Online℠.
With Check monitoring, you review checks presented for payment, or checks over a chosen dollar amount.
- Checks are listed online with check images when available
- You review each check, and elect to "Pay, Return, or Adjust" the check amount
- All decisions must be made by 4PM ET or the checks will be paid
- There are two optional alerts1 you can subscribe to and receive a notification when you have check exceptions to review, and when there is one hour remaining to review your pending checks
With Check protection services, we verify checks presented for payment against a list of checks you provide.
- You submit check information on items you have issued, either through manual entry or by uploading a file of check details. Information must be entered by 8PM EST to make them available the next business day
- We validate checks presented for payment against your information, and anything received that is not on your list is an exception that requires review
- You tell us if we should “Pay, Return, or Adjust” the check amount for that item
- All decisions must be made by 4PM EST or the check will be returned
- There are two optional alerts you can subscribe to and receive a notification when you have check exceptions to review, and when there is one hour remaining to review your pending checks
Here’s how to get started:
- Sign in to JPMorganOnline.com
- Select “Security”
- Under “Check fraud protection”, select “Enroll”
- Select the box for “Check monitoring” or “Check protection services” under the account(s) you would like to enroll
- Note: Unavailable services for an indicated account will be greyed out
- When enrolling in Check Monitoring, enter a threshold amount for notification. If you want a notification to review all checks presented, the threshold can be set at $0
- Select the box for “No service” under the account(s) you do not wish to enroll
- Select "Next"
- If prompted, review the terms and conditions
- If you agree, select the box indicating that you agree to the terms and conditions
- Select “Next”
- If everything looks accurate, select “Submit”
- A confirmation message will display.
- Select “Close”
- Note: To turn on Positive Pay for Check Protection, it is important to submit issuance data. This can be a single voided check. Positive Pay will remain in pending activation until the issuance check is uploaded. Please see “Submit Checks” for instructions
- Now that you have enrolled, you can also entitle authorized sub-users if desired
- Sign in to JPMorganOnline.com
- Select “Security”
- Under “Check fraud protection”, select “Submit checks”
- To add checks one-by-one (up to 25 checks can be entered manually):
- Select "Add one-by-one"
- From the “Check type” dropdown, choose either “Issued” or “Voided”
- From the “Account #” dropdown, choose your account
- Enter the check number, payee name, amount, and check issued date
- Select "Add check"
- Repeat for additional checks
- Select “Next”
- Review the following page, and select "Submit"
- A confirmation message will display
- To upload a file (up to 1,000 rows are recommended per file upload, and uploads must be in .csv format):
- Select "Choose file", and select the .csv file from your computer
- Select “Upload”
- For assistance with formatting your file, select "Find help with file formats"
- You will receive a confirmation page when your file has been successfully uploaded. If there are upload errors, review the errors and correct them within your file, then upload again to resolve
- Select “Close”
- Sign in to JPMorganOnline.com
- Select “Security”
- Under, “Check fraud protection”, select "Review pending checks"
- Checks requiring review from both services will appear
- Review the items presented for decision
- An image of the front and back of each check will be displayed when available, along with the check number, amount, and payee information
- Locate the “Your decision” column, and select to either “Pay, Return, or Adjust” the amount of each item
- Select “Submit”
- Note: The cutoff time to decision is 4PM ET for Check Monitoring and Check Fraud Protection. Any checks that are not decisioned before the cutoff will be paid. For Check Protection services, any checks that are not decisioned before the cutoff will be returned
- Sign in to JPMorganOnline.com
- Select the “person” icon on the top right
- Select “Alerts”
- Select “Choose alerts”
- Choose the account for which you’d like to enable Check fraud protection related alerts from the dropdown
- Select “Protection and security”
- Locate “Fraud Protection Services: You have one hour remaining to review your pending checks.” and “Fraud Protection Services: Please review the check exceptions before today's cutoff time.”
- Select the delivery method for each of these alerts that you would like to receive
- Select “Save”
- Note: For authorized fub-users to receive these alerts, they must be entitled to Check fraud protection services on the account and subscribe to the alerts themselves via the steps above
1Delivery of alerts may be delayed due to various reasons including technology failures and capacity limitations.
Fraud Protection Services: Fraud Protection Services is available to eligible business checking accounts and consists of the Positive Pay Service ("Positive Pay Service" or "Check Protection Services"), the Reverse Positive Pay Service ("Reverse Positive Pay" or "Check Monitoring"), and the ACH Debit Block Service. You may not enroll an account in both Check Protection Services and the Check Monitoring or Reverse Positive Pay at the same time. Check Monitoring ("Reverse Positive Pay Service" or "Reverse Positive Pay") is complimentary for all eligible J.P. Morgan Chase business checking clients. Please carefully confirm accuracy of check payees and endorsements to make sure they have not been altered. Any checks not reviewed by 4pm local time will be paid. Account Alerts: There is no charge from J.P. Morgan Chase, but message and data rates may apply. Such charges include those from your communications service provider. Check Protection Services or "Positive Pay Service" is available for JPMorgan Classic Business Checking and Commercial Checking accounts
Feature availability - and the steps to access features - may vary based on profile or account type, client segment, device and/or eligibility requirements.
