With Mercury Payment Systems and Sterling Payment Technologies there are two cheque verification options. These options verify the bank account on the cheque against national databases, they do not check the balance of the account, or even if the account is open. Cheques must be deposited in your normal method and they do not clear any faster.
Checks the account number against national databases of known account problems. The fee for this is usually a few cents per cheque.
Covers 100% of the face value of the cheque if it can not be recovered. The fee for this service is usually a percentage of the cheque amount.
Check Mercury Payments at http://www.mercurypay.com/checkprocessingservices.asp
or Sterling Payment Technologies http://www.sterlingpayment.com/services/checkverification.aspx