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Positive Pay

Positive Pay is one of MY CU Services’ official check processing solutions. Through Positive Pay, your credit union can submit issues using Vizo Financial’s routing and transit number and MY CU Services will reconcile the account on your behalf. Every month, the credit union will receive a statement detailing all, paid, outstanding and stop payment items in addition to the reporting function that is available any time.

How Does it Work?

Your credit union issues official checks to disperse loans, withdrawals, etc. Your credit union submits these issues within the Positive Pay system by 1:30 p.m. ET the next business day. In addition, your organization can edit, pay and place stop payments on issues as needed.

MY CU Services will then process the issues and deduct the daily amount for issues from your credit union’s settlement account.

One of the major components to the Positive Pay system is the credit union decisioning capability. Your credit union can choose to pay or return issues using the Positive Pay system, without having to contact MY CU Services.


  • Competitive pricing.
  • MY CU Services reconciles the Positive Pay account.
  • Items are debited daily upon issue.
  • Monthly statements available in Zephyr.
  • Decisioning by the credit union.
  • Real-time status of items.
  • On-demand reports.
  • Email confirmation of submitted issues.
  • Fraud and duplicate file detection.
  • No charge to view images.
  • Ability to edit outstanding checks.
  • Ability to view issue history.

Money Orders

MY CU Services offers money orders through our Positive Pay system. Your money orders are processed directly through an existing settlement account with low fees and no monthly minimum charge.

Need Checks?

MY CU Services has negotiated special pricing for check printing services through Check Printing Solutions (CPS). If you are interested in enrolling in the CPS program, please email

Already Enrolled?

If you are already enrolled in the CPS program, please click the following link to log-in. CPS Log-in

Need to Enroll?

If you are interested in enrolling in the CPS program, please email our implementation team at