Built from banks' published file specifications. Free to use.

The file your bank demands, from the register you already have.

Export your check register from QuickBooks or Excel, pick your bank, and download a positive pay file their portal will accept. No install, no subscription, and your check data never leaves this browser.

Convert a check register Browse bank formats
Runs entirely in your browser Fixed-width and CSV layouts Custom format builder Free file validator MCP server and API
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Bank layouts
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Published specs matched
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Automated tests
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Bytes uploaded
positivepaymaker.com/generator
Step 1

Load your check register

Drop a CSV or Excel file here or click to browse.
Works with QuickBooks check detail exports, bank downloads, or any spreadsheet with check number, date, and amount columns.

How it works

From register to bank file in three steps.

1. Export your checks

From QuickBooks, Xero, Sage, or your bank: export the check register as CSV or Excel. Our QuickBooks guide shows the menu path.

2. Map and convert

The tool detects your check number, date, amount, and payee columns, then formats them to your bank's spec: fixed-width positions, padded amounts, void codes, trailer totals.

3. Upload to your bank

Download the issue file and upload it through your bank's treasury portal. Every check you wrote is now protected against alteration and counterfeits.

The format library

Layouts matched to the byte, sources linked.

Eleven bank layouts ship today, each labeled by how it was sourced. Open any "spec" link to read the bank's own document, or start with the positive pay file format guide.

verifiedBuilt from the bank's published specification.
reconstructedFrom ERP and vendor docs. Test one file with your bank first.
genericCommon patterns, plus formats you build and save.

Bank-specific guides: Chase, Huntington, First American Bank, Associated Bank, Bank of America, Fifth Third, First Foundation, F&M Bank.

Guides and resources

Set up positive pay for your accounting system.

QuickBooks

Export the check register from QuickBooks Online or Desktop, then convert it to your bank's layout.

Xero

The Account Transactions report, the Reference and Credit column gotchas, then convert.

Sage 50

Pull the Check Register report, copy it to Excel, and build a bank-ready file.

NetSuite

Export check or payment register data to CSV and reshape it for your bank.

Gusto payroll

Combine Gusto payment data with your own check numbers for the issue file.

File format guide

Every field, fixed-width versus delimited, void codes, and header and trailer records.

Glossary

Positive pay, reverse positive pay, payee match, check issue file, and the rest.

What is positive pay?

How the check-fraud control works and why your bank now asks for a file.

Browse every guide: by accounting software · by bank · positive pay basics · tool comparisons.

Why this exists

Positive pay should not cost $600 a year.

Check fraud is the most common payment fraud businesses face: altered payees, inflated amounts, counterfeit check stock. Positive pay is the banking industry's standard defense. You tell the bank which checks you actually wrote, and it refuses everything else. Most banks charge for the service and then leave you to produce their file format yourself. QuickBooks won't make the file, and the legacy desktop tools that will cost $99 to $600 a year. This tool does the same deterministic file transformation, free, without your check data ever leaving your machine.

Questions

Frequently asked questions

What is a positive pay file?

A list of checks you've issued: number, account, amount, date, usually payee, in your bank's required layout. The bank matches presented checks against it and flags mismatches as exceptions for your review.

Can QuickBooks export a positive pay file?

No. Neither QuickBooks Online nor Desktop has a native positive pay export. Export your check register to Excel or CSV and convert it here. See the step-by-step QuickBooks guide.

Is my check data uploaded anywhere?

No. Everything runs in your browser. You can disconnect from the internet after the page loads and the converter keeps working. There's no account, no server, and no telemetry on your data.

My bank's layout isn't in the list. Can I still use this?

Yes. Open the custom format builder, copy the field positions from your bank's spec sheet (every bank provides one, usually a PDF from your treasury contact), and save it. It stays in your browser for next time.

What about voided checks?

Mark voids in your register, with a void status column or the word VOID, and the tool emits your bank's void code so the bank pulls the check from its match list. Banks differ here: most use V, Chase uses C, Huntington uses CN.

How do I send this file to my bank?

Log in to your business or treasury banking portal and look for Positive Pay, then Issue File Upload. Naming varies by bank. Most banks confirm the totals on screen; they should match the totals shown in step 4.