[dsl]

We setup two separate business accounts with the same bank. Put 90% of the money in one, and 10% in the other.

Monthly float is transfered from the main account to the second account, and checks/wires/etc come out of that, and incoming checks are deposited into it.

If someone manages to forge a check against your account or recall a check you deposited then you don't get cleaned out.

We were in advertising with lots of incoming and outgoing payments, so the additional work was worth it. Check fraud against businesses is still a big problem, and the law states the party that put in the least amount of effort to prevent the fraud is ultimately liable for the loss (which is you if you are using any type of off the shelf inkjet business checks).