How to set up ACH and check fraud controls.
Protect your account from fraud or payment processing errors with debit blocks, vendor whitelists, and stop payment orders.
Keep your money secure
with custom debit fraud controls.
Control ACH debits
Create ACH debit blocks to protect against fraud, then whitelist payees you trust. Plus block specific payees.
Stop check payments
Protect against check fraud by creating stop check orders right from your dashboard.
Monitor ACH debits
Premier customers can set debit thresholds and review transactions to ensure the right payments go out.
Why does this matter for your business?
When paying bills, vendors, and employees, you'll often need to share account details. If your info is ever compromised, or a payee simply makes a clerical error, you could be debited more than expected. With ACH fraud controls, transaction monitoring, and stop check orders, you can protect your account from unintended or fraudulent debits while whitelisting the payees you trust.
Everything you can do with fraud controls.
| Feature | Standard | Plus | Premier |
|---|---|---|---|
ACH fraud controls | |||
ACH debit block Block all debits for a given account, or block specific payees | Available | Available | Available |
ACH preauthorization with debit block Pre-authorize specific payees to allow them to debit blocked accounts | — | Available | Available |
ACH positive pay Review transactions that fall outside of your debit block or pre-authorization rules | — | — | Available |
Check fraud controls and stop payments | |||
Check debit block Block all checks for a given account, or block specific checks via stop payments. | Available | Available | Available |
How to set up ACH fraud controls
Use ACH fraud controls to block withdrawals, allow trusted vendors, and monitor unexpected debits before they clear.
Create an account level ACH debit block
When to use this
Use this tool to protect accounts you never want debited, such as a savings or tax account.
How to set up
- Go to Settings → ACH fraud controls
- Select the Accounts tab
- Click the three dots next to the account or sub-account
- Select View/Edit
- Choose to Block ACH debits, then Save changes
Block a payee from debiting your account or sub-accounts
When to use this
Use this tool if you've ended a service to protect your account from accidental debits, or stop future debits from a specific payee.
How to set up
- Go to Checking and select a transaction from the payee
- Click Block future debits, then click Confirm
Allow a payee to debit a blocked account
When to use this
Use this tool if you want to keep an account secure while allowing trusted debits, such as for payroll or rent.
How to set up
- Go to Settings → ACH fraud controls
- Select the Payees tab
- Click Pre-authorize payee
- Add payee details
- Choose the account you want to allow the payee to debit from (only accounts with ACH debits set to “Block” or “Monitor” can be selected)
ACH Positive Pay
When to use this
Use this tool to monitor ACH debits that exceed a threshold you set to protect your account from being debited too much when you aren't expecting it, or prevent clerical errors from resulting in the wrong amount being charged.
How to set up
- Go to Settings → ACH fraud controls
- Select the Accounts tab
- Click the three dots beside the account or sub-account you'd like to monitor
- Select Monitor and click Continue
- Put in a dollar amount for the threshold at which you'd like to review a debit
- Choose a default decision if you can't review in time, then Save
How to review a debit
Bluevine will send you an email and SMS message when there are debits that require your review. Upon receiving an alert:
- Sign in to Bluevine via your browser
- Under To Do, click on the pending tasks that require your review
- Select Pay to allow the debit to clear, or Return to prevent it from being processed
If no action is taken before the cutoff time, your selected default decision will apply.
How to set up check fraud controls
If your checkbook is lost or stolen, you can block the associated account from being debited by check, or add a stop
payment order on the checks themselves.
Block all checks from debiting an account or sub-account
When to use this
Use this tool to protect accounts when you've lost your checkbook or checks may have been stolen.
How to set up
- Go to Settings → Check fraud controls
- Select the Accounts tab
- Click the three dots beside the account or sub-account you'd like to block
- Choose to Block or Allow checks to debit from the account
Create a stop payment to block a single check or checks in a series
When to use this
Use this tool to protect your account from being debited by checks you no longer wish to go through.
How to set up
- Go to Settings → Check fraud controls
- Select the Stop Payments tab
- Click Create stop payment
- For a single check, provide the check number and amount. For checks in a series, provide the check number range.
Explore helpful guides.
Learn how to make the most of your Bluevine account with these in-depth product guides and resources.
Ready to apply?
Submit your application in just a few minutes.BVSUP-00006