Monit announced that CheckSync, its automated Positive Pay check file integration, is now live with Jack Henry Banno digital banking clients through the jXchange integration program — with an expansion to the Jack Henry Treasury platform planned for 2027. Jack Henry FIs can now add CheckSync to their Positive Pay offering to fully automate the check issue file process for businesses. Bank executives report that check fraud now accounts for roughly 30% of all bank fraud losses, and nearly 94% of institutions say they or their customers have been directly affected by it in the past 18 months. Despite the exposure, only about a third of eligible businesses actually enroll in Positive Pay — largely because of the manual, tedious process required for Positive Pay. CheckSync changes that.

CheckSync removes the manual step entirely. Once a business owner links to their accounting system, CheckSync polls for newly issued checks every hour and delivers the payee name, check number, amount, and date straight into Positive Pay via API. For Jack Henry clients, that connection runs through jXchange, the same integration layer that gives Monit access to core transaction data for targeting and campaign support. CheckSync is already live and pre-configured for Jack Henry Banno clients today, with the same automation extending to the Jack Henry Treasury platform in 2027.

The results speak for themselves. Across banks already running CheckSync, Positive Pay exceptions are down by roughly 80% and the system has processed more than $250 million in 2026. The integration to Jack Henry allows FIs to get to market in 6 weeks with no IT involvement required. Once CheckSync is installed, customers can enroll in about 60 seconds.

“Positive Pay has always been the right product with the wrong process — our customers wanted the protection but not the manual upload. CheckSync removed that step, and the response from the businesses we've enrolled has been exactly what we hoped. On the bank implementation, the Jack Henry pre-integration meant we were live without a technology project.” — Debbie Fortner, SVP Chief Banking Officer, Pioneer Bank

CheckSync was built to help banks and credit unions prevent check fraud, and extending CheckSync to Jack Henry's FI base is an exciting step in that mission. To learn more about bringing CheckSync to your digital banking experience, visit monitapp.io/checksync or reach out to sales@monitapp.io.