Account History Database
Other check verification services will offer a database with historical data on the account itself, and not just the person writing the check. This type of system keeps records of the account number for all checks that don't clear and can tell if that particular checking account has had returns in the past.
Because this type of system is based on the history of all checks written against the account, it can provide valuable information, just like the negative check database except the information is not based on the identity of the person writing the check.
This is particularly valuable for taking business checks or company checks because often the identity of the person writing the check has little to do with the company check. In the account history database, a good account with no flags would receive full approval, regardless of the status of the employee who writes the check because identity is not verified.
Read more about this topic: Check Verification Service
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