How to prevent forgery and altering of cheques by banks?

Check manufacturers help deter check fraud by making checks difficult to copy, alter, or counterfeit like watermarks, which are made by applying different degrees of pressure during the paper manufacturing process. Most watermarks make subtle designs on the front and back of the checks. These marks are not easily visible and can be seen only when they are held up to light at a 45-degree angle. This offers protection from counterfeiting, because copiers and scanners generally cannot copy watermarks accurately.

To my knowledge, if there is an effective system by which the participating financial institutions can report all checking accounts "closed for cause" to a central database, called ChexSystems. This program prevents people, who have outstanding checks due to retailers, from opening new accounts. This can be used as an information before opening new accounts to spot repeat offenders and also use MICR information from a check presented with the applicant's drivers license number to check the SCAN file for any previous fraudulent account activity.

To the extent possible make payments online wherever inter account transfer is required, use ATM cards to receive cash. Make mandatory to have bank account to the payee. If we do so we need not have to issue cheques at all. 

In my opinion, the manipulation and frauds in cheques are increasing. There can be more facilities for better cheque  truncation clearing centres but it would be encouraging if new innovations and methods of payment system for the customers are introduced. There can be better option of epayment and mpayments.