Anon 418823- what world do you be living in??????
You evidently have some type of business where you provide a product or a service - when, if ever, is fraud attempted against you? Shoplifting, bad checks, etc? How much do you potentially lose - $50, $100?

Ok, now look at a bank - counterfeit checks presented in one operation cost our bank about $17k - and this happens all the time - why? Because banks have money - you should be glad that your bankers are looking for ways to prevent fraudelent losses - how would you transact business without your local bank. Instead of getting out your 'beat up on the whiny banker' stick, why don't you attempt to understand how our industry works - many of the bankers here on this website are happy to answer questions about why QChex has become such a malestrom a problem and it is to do both with the check clearing system being so automated and the limitations on returns. But feel free to jump to any conclusion you like, after this is still America!