Request to see identification. Check the name on the ID with the name on the check as well as matching the signatures. Many business and personal accounts allow someone to be a signer on the account without being the owner. In this case, the name may not match the check name.
Call the check's bank and verify additional signers on the account. You may also give the bank the amount of the check to determine if funds are available. Don't expect a bank to give you detailed information such as account holder names, balances or contact information. You can expect most banks to say that the funds are available and that the person you have named is the owner or is allowed to write a check on the account.
Use TeleCheck, the merchant service which uses digital data to confirm account status. This service gives you a confirmation number, protecting you from fraudulent activity. If you are a merchant, you can get more information about TeleCheck at FirstData.com.