We built this because
the category needed it.
Positive Pay sits inside almost every community FI, but most run it at 5% adoption or less. The technology isn't the problem; what's missing is the operational know-how, written down somewhere the people running these programs can actually find it.
Built from years of conversations.
We've spent years interviewing operators at the FIs that actually run Positive Pay well: treasury managers, operations leads, and the branch presidents and CEOs who own the program at the C-level.
The Academy puts what we heard into a curriculum any community FI treasury team can work through for free.
An 8-time Inc. 5000 honoree.
Advanced Fraud Solutions.
AFS has served community FIs for nearly two decades. We make TrueChecks, TrueACH, and Positive Pay, with 1,200+ FI customers. The Academy is the operational playbook we've refined across thousands of those engagements, written down and made free.
Built by people who do the work.
No single instructor authors the Academy. It's maintained by the AFS team across product, sales engineering, customer success, partnerships, and leadership. Most of the contributors came from community FI backgrounds or from one of the major core providers, and have spent decades working alongside the people who run treasury programs at community FIs.
Each lesson reflects what the people who've actually run these programs say worked. We try to be honest about what didn't.
Three things we believe.
Positive Pay is two products in one.
Two jobs in one product: catching fraud, and getting business clients to actually use the tool. Legacy platforms tend to handle only the first one well, which is why adoption ends up being everyone's problem.
Adoption is the only metric that compounds.
Every business client enrolled is a fraud prevented, a deposit retained, and a non-interest income line that shows up next quarter. The curriculum is built around moving the adoption number.
The category is underpriced and over-feared.
Most FIs price PP below market because they're worried about client pushback. Most business clients are skeptical of the fee until they experience fraud. Both reactions are reversible with the right conversation, and a chunk of the curriculum is about how to have it.