We are a small company. Is there any service where I can call or check online to make sure a check somone is giving me actually has the money to cover it in the person's account?
The only source of reliable information of that type is the bank on which a check is drawn. If you are able to obtain a verification that a check is good (many banks no longer provide the service), remember that the information is only valid at the time of your call. It could change moments later.
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