Mitigate Your RisK
Fraud Protection
Ixonia Bank can provide tools and information to stop fraud without compromising service.
Stay One Step
Ahead of Fraud
Protect your business accounts and payments with fraud prevention tools designed to identify suspicious activity, strengthen payment controls, and reduce your risk of financial loss.
By the numbers
Key Facts at a Glance
According to the 2026 AFP Payments Fraud and Control Survey, payments fraud remains a pervasive threat to U.S. Businesses. Take time now to search for gaps and protect yourself against an attack. We can help.
76%
U.S. Organizations experienced attempted or actual payments fraud in 2025
58%
Reported check fraud, making checks the most targeted payment method
74%
Organizations were affected by business email compromise (BEC)
24%
Organizations were unsuccessful in recouping funds lost due to fraud
Check Payee Positive Pay
Enhanced features add payee verification to each check review. We match check number, amount, and payee name against your records, helping to identify altered checks that standard verification might miss.
- Verifies payee information against issued check records before payment
- Flags altered, counterfeit, and unauthorized checks for review
- Gives you control to approve or return exception items
- Helps reduce fraud-related losses and operational distruptions
ACH Positive Pay
ACH Positive Pay allows you to manage and monitor ACH debits and credits posting to your account via filters. You’ll be able to make decisions on ACH transactions before your account is debited — and reduce the risk of potential fraud.
- Identify unauthorized ACH transactions before they impact your account
- Make informed payment decisions with timely exception reporting
- Reduce time and labor with an automated process
- Safeguard your cash flow with enhanced control over ACH activity
Expertise Built Around Your Business
Treasury management is more than products. It’s having experienced advisors who understand your business and bring the right solutions together to help you operate efficiently, protect your funds, and plan for what’s next.
Strategies Every Business Should Know
Fraud Awareness Video Series
Business Email Compromise
Criminals pose as trusted contacts to trick businesses into sending money or sensitive information.
Check & ACH Fraud
Criminals use stolen, altered, or fake checks to take money from your business.
Cyber Ransomware
Ransomware locks your data and demands payment to get it back.
Invoice Fraud
Criminals manipulate invoices to redirect payments and steal money from businesses.
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Let's Build Something Together
Whether you’re opening your first account, growing your business, or planning for the future, our team is here to help with thoughtful guidance and customized service.