Nobody really bothers to call to verify funds when providing check cashing serviceThose that do weigh the risks, take steps to identify you, determine your worthiness to receive this service.A check cashing place will only cash government issued or commonly known payroll check in exchange for a fee. i.e, check with low risk of being returned. They will not cash a birthday check from your uncle,A bank will cash a check for you by placing hold on any funds you have deposited otherwise they will tell you to just deposit the check and wait for it to clear.Third party organizations might only say yes or no to verify balance of check. There is no guarantee that the funds will still be there when the check is presented if the verification says check is good at time of call. Also, the service does not take into account the fact that the bank might pay the check anyway vs uncollected funds. Many large corporate accounts for payroll have negative balance and checks are paid anyway based on credit worthiness of corporation.