Final answer:
It is true that checks used as payment need verification. When using a check, it represents a promise to pay, and merchants process it to receive funds. An overdraft occurs if there are insufficient funds to cover the check.
Step-by-step explanation:
It is true that any check taken as payment must first be verified under the "Check verification, what needs to be done". When you use a check for payment for goods and services, you are essentially providing a written promise that you have the funds available in your bank account to cover the cost of the purchase. The store, or merchant, will process the check through a bank or a check-clearing service to get the money transferred from the customer's account to the merchant's account.
If there are not enough funds in the customer's account to cover the check, this can result in an overdraft, which is a situation where the bank covers the amount that exceeds the account's available balance, and the account holder must repay the bank the overdraft amount, usually with additional fees.