Abstract: An improved system for accessing account sufficiency information relating to checks, in order to enhance the success rate for clearing bank checks, including receiving at a service provider electronic records from a plurality of sources and ascertaining by the service provider account sufficiency information from the participating banks in regard to at least 1000 checks per business day, on average, relating to said records. The system may include economies of scale such as at least partial automation of callers, opening service provider accounts at banks and/or batching checks for callers from different sources or holders.