Verbal confirmations are statements made at a point in time with limited information, and don't commit you to paying a check that turns out to be counterfeit or, in the case of customer checks, drawn on insufficient available funds. That said, your staff always should couch any check verification in terms of "based on current information" and "subject to verification at actual presentment."
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8