Safeguard Your Business Against E-mail Fraud

 

Why Use Prenotes?
Using prenotes adds a layer of verification that helps:

• Confirm changes to vendor or employee banking information

• Detect incorrect or fraudulent account numbers

• Introduce a critical pause to validate payment changes with a known contact outside of e-mail

This small step can prevent costly mistakes and protect your business from losses and reputational harm.

 

How to Use Prenotes with Capital City Bank

The Capital City Bank Online Treasury Management platform makes it easy to implement prenotes as part of your payment process.

When to initiate a prenote:

• When adding or modifying an ACH recipient in online banking

• When entering or updating banking details for a vendor or employee in your accounting/ERP system

How to initiate:

1. Submit a $0.00 payment to the recipient using the standard ACH process.

2. Wait at least 3 business days before issuing a live payment.

3. Our system will recognize the transaction as a prenote and process accordingly.

Note: Under NACHA guidelines, any errors with the prenote must be returned within 3 business days, giving you time to correct invalid or fraudulent account information.

 

Additional Ways to Protect Against BEC Fraud

• Always verify account changes using a known phone number or other out-of-band method - not just e-mail.

• Train employees to recognize red flags, such as urgent or unusual payment requests.

• Implement dual control and approval workflows for payment changes.

• Establish a policy requiring prenotes for all new or updated ACH instructions.