Fraud-Fighting Tools

Implement a layered defense approach to help prevent fraud with a complete set of fraud-fighting services from California Bank & Trust. 

 

Account Receivable Fraud

Merchant Services Loss

Electronic ACH Payment Fraud

Wire Fraud

Employee Embezzlement

Card Loss

Check Fraud

Online Account Takeover

IBM® Security Trusteer Rapport® Software

    

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Lockbox

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Positive Pay

    

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Remote Deposit

            

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Check Block

 

 

 

 

 

 

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Dual Control

    

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Transaction Limits

    

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EMV Chip Card Technology

  

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RSA SecurID Physical and Electronic Tokens

    

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Outsourced Disbursement

    

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IBM® Security Trusteer Rapport® Software 

As part of our account services, we provide free Trusteer Rapport software that works with your antivirus software to help protect your login credentials, online communications, and transactions.

Helps Prevent:

  • ACH fraud
  • Wire fraud
  • Online account takeover

 

Lockbox

We offer three Lockbox services that ease the collection of receivables and verify payment sources.

Helps Prevent:

  • Accounts receivable fraud
  • Employee embezzlement
  • Check fraud

 

Positive Pay

Our Positive Pay notification service gives you increased control by allowing you to decide which checks and ACH payments to return or approve for payment.

Helps Prevent:

  • ACH fraud
  • Employee embezzlement
  • Check fraud

 

Remote Deposits

Use Remote Deposit service to quickly and conveniently deposit checks directly from your office using a certified scanner.

Helps Prevent:

  • Check fraud

 

Check Block[cite::126::cite]

  • An ideal fraud-protection service for accounts you designate as permitting only electronic or deposit activity.
  • Any paper check presented for payment is automatically rejected and returned

Helps Prevent:

  • Processing of paper-based check transactions.
  • Potentially costly check fraud on accounts designated for electronic or deposit use only.

 

Dual Control

Dual Control is a feature within our online banking solutions designed to help separate duties among employees and manage user access for payment and administration functions.

Helps Prevent:

  • Wire fraud
  • Electronic (ACH) payments fraud
  • Employee embezzlement
  • Online account takeover

 

Transaction Limits

Online Banking services allow you to set outgoing electronic payment transaction limits for each authorized representative.

Helps Prevent:

  • Wire fraud
  • Electronic (ACH) payments fraud
  • Employee embezzlement
  • Online account takeover

 

EMV Chip Card Technology

All of our debit and credit cards include EMV (Europay, MasterCard, and Visa) security chips.

Helps Prevent:

  • Merchant services loss
  • Card loss

 

RSA SecurID Physical and Electronic Tokens

We provide one-time password (OTP) tokens to authorized Calbank users of online services to protect and authenticate online transactions.

Helps Prevent:

  • Electronic (ACH) payments fraud
  • Wire fraud
  • Online account takeover

 

Outsourced Disbursement

Outsourced Disbursement is an automated payables consolidation tool that makes processing large volumes of payables more secure and more efficient.

Helps Prevent:

  • Check fraud

Disclosures