Case Study: Nicolet National Bank achieves rapid positive-pay adoption and stronger fraud protection with Q2 Software's Centrix Exact/TMS

Nicolet National Bank - Customer Case Study

Nicolet National Bank, a $2.8 billion institution serving over 150,000 accounts across nearly 40 locations, wanted to strengthen its fraud-mitigation services by upgrading positive pay. The bank sought a scalable, easy-to-use solution that covered both checks and ACH payments so customers would actually adopt the protection more broadly.

Nicolet deployed Centrix Exact/TMS with Payee Match, adding ACH positive pay and improved payee verification. The result: stronger fraud detection (including prevention of washed-check schemes), a dramatic rise in adoption from under 200 to more than 760 users with 5–6 onboarded weekly, 95% of users leveraging Payee Match, and rapid one-hour customer rollouts—now offered as part of the bank’s business security suite.

Nicolet National Bank

Kristi Hansen

VP Operations