Last Updated: July 6th 2026
In partnership with the FDIC-insured bank providing your accounts, Lemma offers an ACH Authorization with a Positive Pay feature to enhance account security by protecting against unauthorized ACH withdrawals for customers who enroll (“ACH Authorization”). This feature allows you to set pre-approved criteria for recipients and payments, enabling Lemma to identify and validate authorized ACH transactions eligible for automatic debiting from your account.
To use ACH Authorization, you must provide Lemma with a list of approved recipients and payment criteria that can be posted to your account. Once this feature is active, when an item attempts to clear your account, our system verifies the transaction details against the default parameters and information you provided.
Lemma will notify you of any items that may be exceptions to these parameters. You are required to review and approve these exception items before 2:00 pm CT on any business day (excluding weekends and holidays) if you wish for them not to be posted to your account. You can also add, modify, or remove ACH authorizations as needed. However, to ensure these changes take effect on your account, they must be sent to Lemma before 2:00 pm CT on any business day. If you fail to update your list of exceptions before the cutoff time, the transaction will be automatically paid according to your default settings. You have the option to configure your account to automatically reject transactions not pre-approved by you within the designated cut-off time. You acknowledge that auto-rejected transactions are considered stop payment requests.
Please note that this feature is solely for blocking improper or unauthorized transactions and cannot be used to reverse transactions due to insufficient funds or transactions otherwise authorized by you or your authorized users.
It is your ongoing responsibility to actively monitor, review, and update your ACH Authorization settings. Lemma accepts no responsibility for detecting errors in the information you provide us.