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Frequently Asked Questions

Do I need to submit a check issue file for Full ARP with Same Day or Next Day Positive Pay?

Yes. You can submit a check issue file through web-based file transfer within KeyNavigator or directly to Key via direct transmission. A Check Outsourcing or a Consolidated Payables file will automatically load check issuance information for Positive Pay.

Do I need to submit a check issuance file for Payment Protection (Reverse Positive Pay)?

No.

Can I submit check issues after the file has been sent?

Yes. You can manually enter information if you hover over the Payables category, and select Account Reconcilement from the menu. From the Account Reconcilement page, please select Check Issue Maintenance.

Do I need to enroll in Full ARP to use Key’s Positive Pay service?

No. You can have Positive Pay Only, without ARP services.

How can I send my check issuance file to Key?

There are several options to choose from.

  • Direct computer-to-computer transmission:
    • FTP
    • PGP
  • Web-based file transfer through KeyNavigator.
  • Consolidated Payables file
  • Check Outsourcing file
  • Manually enter the issuance data through the Payables section on KeyNavigator
If I have Same Day Positive Pay, will I be able to review my suspect items on Next Day Positive Pay?

Yes, dependent upon your default settings:

  • If your default setting is Pay All, and you do not take action on the items in the Same Day Review, the suspect items will appear on your Next Day Positive Pay Exceptions Report. You will then have the ability to return the suspect items.
  • If your default setting is Stop All, your suspect items will only appear if you manually remove the Stop on the item from your Same Day Exception Report. The item will then be posted to your account and will be reported on your Next Day Positive Pay Exceptions Report. You will then have the ability to return the suspect items.
  • Please note, if your default setting is Stop All, and you do not manually remove the Stop on the item from your Same Day Exception Report, you will not have a second chance to make a decision, as the item will be stopped.
How does Positive Pay handle any check items that have inadvertently been converted to ACH transactions?

E-check items will be listed as exception item on the Positive Pay report, with the following details:

  • Check/Serial Number
  • Dollar Amount
  • ACH Payee Name
  • ACH payment type (ARC or POP)
  • ACH description
Does Key’s service provide protection if someone presents a check at a Key teller line? How do you activate/de-activate teller line protection?

Yes, if you use (Next Day or Same Day Positive Pay) services.

  • When you sign up for Same Day or Next Day Positive Pay, the teller verification is automatically turned on once a valid check issuance file is received.
  • You must notify Key in writing if you choose to deactivate the teller portion of Positive Pay. As a result, checks will not be matched against your check issue file at the Key branch teller lines.

We highly recommend the industry best practice of utilizing Teller Line Positive Pay.

What are the deadlines for issuing a manual check through KeyNavigator or Direct Transmission? How long does it take the system to recognize a file with check issuance information?

If a payee wishes to cash a check at one of our Key branches the same business day you physically distribute the check, Key must first receive the corresponding check issuance data.

  • When utilizing KeyNavigator web-based file transfer, check issuance data must be received by Key 30 minutes before the payee would attempt to cash the check at a Key branch.
  • When utilizing direct transmission, the check issuance data must be received by Key 90 minutes before the payee would attempt to cash the check at a Key branch.
  • Payees will be turned away at the teller line if your check issuance data is not received according to these deadlines.
I accidentally added a check in KeyNavigator, but I entered the wrong dollar amount? What do I do now?

For assistance contact 800-539-9039.

When do I need to submit test checks for MICR testing?

The timing depends on the service requested:

  • If this is a new account to the bank, MICR testing is required.
  • If this is an existing account at Key and you are only requesting standard Positive Pay, we do not need test checks.
  • If you are requesting Payee Name Verification (PNV) service, you will need to transmit a test file and email 10 images of the test checks. If after visually reviewing the check, ARP Operations determines that the checks are not meeting PNV requirements, we will request test checks for PNV testing.