When a customer wants to pay by check, it is always put through the check guarantee service.
It has been a long standing policy that checks taken in that are not put through a check guarantee service are done at the person’s own risk. This means if you accept a check and don’t put it through the service you are responsible for paying the amount of the check if the check is not good. The money will be deducted from your check immediately. The choice is yours whether you collect on it or not.
We have a check service that per company policy is to be used. You are in the position to use it or not. By not using it you take on the responsibility of making the check good. This applies to all checks.