BankFileKit

Your bank's Positive Pay file, straight from QuickBooks or Excel.

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

Pick your bank, add your Check Detail report or Excel check list, and see every line before it goes to your bank.

Stays in your browser

Picking your bank opens the Positive Pay tool with it selected.

Not ready to use your own file?

What your bank receives

A real Synovus file, made by BankFileKit from a sample QuickBooks report with fake checks. You see this proof for your own file before anything leaves your browser.

File proof

Synovus , Issued check file, comma delimited

positive-pay-synovus-20261026.csvCreated 10/26/2026 (example)

File check: Passed

1001,Example Office Supply Co.,10/1/2026,1688.12,I1002,"Example Janitorial, LLC",10/2/2026,6895.24,I1003,Example Property Mgmt LLC,10/3/2026,450.00,V1004,Example Employee One,10/15/2026,2104.50,I1005,Example Construction and Landscaping Services of Northern County,10/20/2026,12500.00,I

4 checks$23,187.861 void

Compare these totals with your QuickBooks report.

  1. Line 1. The check number and payee, exactly as printed on the check. The payee is the "Print on check as" name from your QuickBooks vendor list, which the Check Detail report leaves out.

  2. Line 2. A payee name with a comma goes in quotes, so the bank reads it as one name.

  3. Line 3. A voided check (V), sent with its original amount. QuickBooks shows voids as $0.00, so BankFileKit asks you for the amount.

Why bookkeepers use BankFileKit

  • Works with your report as exported

    Split lines, expenses and voids are handled for you. You don't edit the QuickBooks report first.

  • Works in your browser

    Check details, payee names and bank account numbers are never uploaded to or stored on our servers.

  • Built from your bank's published spec

    Every bank format links to the document it was built from. If your bank isn't listed, you set up your own layout, clearly labeled as yours.

Banks we make files for

Each bank's page shows its file, the one-time setup and the document it was built from.

  • Alerus

    Built from Alerus's published spec, "Positive Pay Issued Check File Guide," read 10/26/2026.

  • Associated Bank

    Built from Associated Bank's published spec, "Associated Connect Reference Guide: ACH and Check Positive Pay (07/26)," read 10/29/2026.

  • Dollar Bank

    Built from Dollar Bank's published spec, "Business Online Banking User Guide: Fraud Control with Positive Pay and Reconciliation," read 10/29/2026.

  • First Citizens

    Built from First Citizens's published spec, "Positive Pay Payee Name Information: Check Issue Files (Rev 06/2022)," read 10/29/2026.

  • Huntington

    Built from Huntington's published spec, "Huntington Check Positive Pay, Business Online Upload Issue File Formats," read 10/26/2026.

  • Mechanics Bank

    Built from Mechanics Bank's published spec, "Positive Pay Centrix User Guide (FM-3898.7)," read 10/29/2026.

  • Simmons Bank

    Built from Simmons Bank's published spec, "Treasury Management Quick Reference Guide: Positive Pay File Format and Mapping (January 2026)," read 10/26/2026.

  • Synovus

    Built from Synovus's published spec, "Positive Pay File Mapping Requirements, Digital Commercial Banking," read 10/26/2026.

  • TD Bank

    Your layout with TD Bank's published limits. TD Bank hasn't published its full file layout.

  • Truist

    Built from Truist's published spec, "Online Courier: Positive Pay File Mapping and Upload Service Quick Reference Guide (Rev 01/26)," read 10/29/2026.

  • Don't see your bank? Find your bank's format

    Every bank we've checked, including big banks that don't publish a file spec. For those, you set up your own layout, labeled as yours, never as a bank-verified format.

Pricing

Free preview $0
Upload, check and preview any file, plus a 3-check test file.
Business, Positive Pay$29/month or $290/year
Full Positive Pay files for one company.

Note: Plans open soon

Until then, checking, previewing and the 3-check test file are free. Bookkeepers with several companies can see all plans.

Questions

Does my check data leave my computer?

No. All file processing happens in your browser. Check details, payee names and bank account numbers are never uploaded to or stored on our servers. Our servers store only your email address, plan and license.

Which banks can I make files for?

Alerus, Associated Bank, Dollar Bank, First Citizens, Huntington, Mechanics Bank, Simmons Bank, Synovus and Truist, each built from the bank's published file spec. TD Bank works as your own layout, with the limits the bank has published.

Each bank links to the document its format was built from.

My bank isn't listed. Can I still use BankFileKit?

Yes. Choose "My bank isn't listed" and set up your own layout to match your bank's import screen or the file spec your bank gave you: the columns, separator, date format and how voids are sent. It's always labeled as your layout, never as a bank-verified format.

Does it work with QuickBooks Desktop and QuickBooks Online?

Both can export a Check Detail report as Excel or CSV, and BankFileKit reads either, exactly as exported. It keeps one row per check, skips the split lines under each check, and leaves out Expense and Sales Tax Payment rows unless you include them. An Excel or CSV list of your checks works too. If BankFileKit can't tell which column is which, it asks you to match them once and remembers your choice.

To make payee names match your printed checks, add your QuickBooks Desktop vendor list with "Print on check as," or an Excel list with two columns: Vendor and Name on check.

Why do I have to send a test file first?

Your bank has to accept the file before you rely on it. The first time you use a bank or layout, download the free test file with your first 3 checks, send it through your bank's test or file validation option, and wait for the bank to confirm it was accepted.

Will my bank accept the file?

BankFileKit builds each file from your bank's published spec, or from the layout you set up, and checks every row before you download. It can't guarantee that your bank will accept a file, which is why the test file comes first.

You must review every file before submitting it to your bank. You are solely responsible for the files you upload to your bank and for the payments, checks and account details they contain.

What's the refund policy?

Full refund within 14 days of purchase, only if no files have been exported. Free test files (first 3 checks) don't count as exports.