First American Bank Positive Pay file

Works with your QuickBooks report exactly as exported. No cleanup.

Turn your QuickBooks Check Detail report or Excel check list into the check issue file First American Bank accepts.

Built from First American Bank's published spec · Read 10/29/2026 · Source

Make your First American Bank file Try it with a sample file

What First American Bank receives

The First American Bank file BankFileKit makes from a sample QuickBooks report with fake checks. You see this proof for your own file before anything leaves your browser.

File proof

First American Bank , Positive Pay file, fixed width (79 characters)

positive-pay-first-american-20261026.txtCreated 10/26/2026 (example)

File check: Passed

Check each field against the positions in your bank's spec.

         1         2         3         4         5         6         7         
1234567890123456789012345678901234567890123456789012345678901234567890123456789

Account number 1 to 11
Check number 12 to 21
Issue date 22 to 29
Amount 30 to 39
Payee 40 to 69
Debit code 70
Issue/void code 71
Void date 72 to 79

11000000000000000001001100120260000168812Example Office Supply Co.               2000000000000000001002100220260000689524Example Janitorial, LLC                 23000000000000000001003100320260000000000Example Property Mgmt LLC      V102620264000000000000000001004101520260000210450Example Employee One

Line 1. One check per line, every line exactly 79 characters, with each field at a fixed position: account number, check number, issue date, amount, payee, issue/void code and void date.
Line 3. A voided check, marked V, sent with $0.00.

Check 1005 from the sample is left out of this example: its payee name is longer than the 30 characters First American Bank allows. With your own file, BankFileKit shows how to fix a name like that.

How to send it to First American Bank

First American Bank's layout is fixed, so there's nothing to map. Ask First American Bank how to send your Positive Pay file, and send the free test file from BankFileKit first.
Use the layout without a header (Option 1 in First American's guide). Each file is for one account.
Make pay or return decisions on suspect checks in First American's Ca$hTrac system.

What's in the file

What each check line holds, in the First American Bank file
Position	Field	Example	Rules
1-11	Account number	00000000000	Your checking account number, on every line.
12-21	Check number	0000001001	Digits only, up to 10, zero-filled to 10.
22-29	Issue date	10012026	MMDDYYYY.
30-39	Amount	0000168812	No decimal point: the last two digits are cents. No $ or commas. Up to $99,999,999.99.
40-69	Payee	Example Office Supply Co.	Exactly as printed on the check. Up to 30 characters.
71	Issue/void code		Blank for issued checks, V for voids.
72-79	Void date		On voided checks, the date the file is made, MMDDYYYY. Blank on issued checks.

.txt file · 79 characters per line · No header row · Windows line endings

Good to know

This is First American Bank in Illinois, at firstambank.com.
Every line is 79 characters: account number, check number, issue date (MMDDYYYY), amount in cents with no decimal point, payee name, then the void fields.
A voided check has a capital V at position 71 and a void date at 72 to 79.
Voided checks are sent with $0.00, as First American's guide asks when a file has no totals.
First American's guide is dated 11/11. Send a test file to confirm the layout is still current.

Where First American Bank's guide doesn't say

BankFileKit fills these in with safe defaults. Your test file confirms them with First American Bank before you send a live file.

BankFileKit default: The void date is the date BankFileKit makes the file (decided 10/29/2026). QuickBooks doesn't record the date a check was voided.
BankFileKit default: The optional debit code at position 70 is left blank. First American's guide says new issues are always debits.
BankFileKit default: Account number and payee use the bank's own rules: zero-filled to 11 digits, and payee names up to 30 characters (longer names are an error, not shortened).
BankFileKit default: Line endings: Windows (CRLF). Text: plain ASCII. First American's guide asks for plain text with no blank lines.

Note: Send a test file to First American Bank first

Before your first live file, download the free test file with your first 3 checks, send it to First American Bank, and confirm it was accepted. BankFileKit can't guarantee that First American Bank will accept a file.

Source

Positive Pay, First American Bank. Date printed: 11/11. Page 2. https://www.firstambank.com/FirstAmericanBank/media/PDFs/positive-pay.pdf. Read 10/29/2026.

BankFileKit isn't affiliated with or endorsed by First American Bank.