If someone presents a COM check and it is already filled out with the verification numbers, should the bank call and re-verify?

I would be calling COM check - it may have already been negotiated.

I'm certainly not accepting the risk by just taking the customer's word for it that it hasn't been negotiated.

I am not seeing anything right off hand where the bank is required to get the authorization codes or reverify instead of the customer. Do you believe this is more risk based depending on what the bank wants to do? I am wondering if we want to not re-verify for good standing customers. We have a good business that brings in 20-30 at a time to deposit....

Are the checks made payable to them as a business? Of course they are going to get a verification before they accepted them. They should just be deposited into their account at your bank then, like any other check

They are made payable to the business and it's a towing company

The towing company if it knows what it is doing has already verified the COMCHEKs. The verification or authorization code should already be completed on the checks. I'd say you are in essentially the same risk position you would be in by accepting any other check payable to the towing company for deposit to its account

Granted it's been over 20 years since I was a teller supervisor, but "back in my day" the instructions on the COM checks stated the bank was supposed to call and obtain the verification code and write the code in to verify that COM Check had approved the vehicle expenses the customer was claiming when writing the check (similar to running a credit card prior to processing a cash advance.) We hated processing them because all the other customers in line had to wait while we sat on hold waiting for a COM Check representative.

Perhaps they've streamlined the process?

That's right if the driver is depositing the check or cashing it. I have no idea how long it takes these days.