We’re sorry, your browser is not supported.

For the best experience, we ask that you switch to the latest version of Chrome, Firefox, or Edge. If you would like to access your accounts before updating your browser, you can follow the links below.

two women looking at computer monitor

Risk Management

Protect Your Business and Manage Risk

At Machias, we have a variety of commercial risk management solutions that safeguard your bottom line.

Check Positive Pay™

Safeguard your commercial business from fraudulent checks.

By providing us with information through easy uploads, we compare checks presented for payment against your records. If we detect any discrepancies, we generate an exception report and give you the authority to decide whether to pay or return the check.

Here are some key facts about our Check Positive Pay™ service:

  • The service is seamlessly integrated into MSB Business Online.
  • It protects you from the risk of liability associated with fraudulent funds leaving your account.
  • It is a comprehensive check fraud prevention solution that offers item inquiry, item maintenance, item review, and complete reporting capabilities.
Man handing out a check

ACH Filter and Block

Easily manage electronic transactions that are allowed to be posted to your accounts.

By specifying which parties are authorized to send electronic transactions to your accounts, any other transaction attempts will be suspended. You will then have the opportunity to either approve or reject these transactions.

  • The ACH Filter establishes criteria that permit certain ACH debits and/or credits to be posted to your account while excluding others.
  • The ACH Block Service prevents ACH debits, credits, or both types of transactions from being posted to your account.
business woman working on tablet

MSB Business Online

Simple. Seamless. Secure.

Take advantage of the following fraud prevention features included in our online banking services:

  • Alerts: Set up alerts that will notify you via phone or email of security alerts, account balances, and transaction histories.
  • CardValet™: Effectively manage your business debit card by controlling when and how it is used, and deactivate it instantly to prevent any unwanted purchases.
  • Face and touch ID: Ensure the security of your account with unique authentication factors such as facial recognition and fingerprint scanning.
  • Customized access for employees: Set varying access levels for your employees, such as a bookkeeper, to view and manage financial information.
  • E-statements: Access your statements easily through our online e-statement delivery system.
business man working on laptop

Get in Touch

If you’re looking to implement safety protocols for your commercial business account or seeking information on preventing business fraud, we’re available to assist you.

"*" indicates required fields

Full Name*
Business Name*
Do you currently bank with us?*
To protect your security when you communicate with us electronically, please DO NOT include confidential and personal information such as Social Security Numbers and account numbers.
This field is for validation purposes and should be left unchanged.
Secure Login with reCAPTCHA subject to Google Terms & Privacy
Two men talking about building a house

Cash Flow

With solutions that scale to your needs, Machias can help you streamline your operations, expand customer payment options, and ultimately improve your organization’s working capital.

Learn More About our Cash Flow Solutions
multiple people working in an office with computers


Leave paying your employees up to us so you can work toward positive organizational change.

Learn More About Commercial Payroll Solutions
Man at desk

Exceptional Checking

An uncomplicated account that lets you make transactions without stressing about monthly fees or a minimum balance.

Learn More About our Exceptional Business Checking Account
Important Notice

By following this link, you will be leaving Machias Savings Bank’s website and visiting a non-affiliated third party website. Be sure to review their terms and conditions as you will be subject to their terms of use. Click Yes to proceed or No to remain in www.machiassavings.bank.

Would you like to proceed?