Using LDAP is checking a username/password as simple as attempting to bind as that user and noting the results, or is there a special LDAP \"check password\" function?
LDAP supports a compare of userPassword. You send the password, the server does the compare and returns true or false. This is the not-requiring a login way to authenticate users.
Binding as that user is sufficient. The password is checked in the process of binding.
Look into the WhoAmI Extended Operation (RFC 4532).
WhoAmI serves one purpose really - validate submitted bind credentials. It should not affect nor provoke any "login restrictions" (that I know of).
WhoAmI can be done using a dedicated binary (such as "ldapwhoami"), or it can be done using Net::LDAP::Extension::WhoAmI (Perl) or some other such language that supports LDAP operations. Do note that "testing a password" using some "Search" function is an ill-advised test method.
For example, if my DN is "uid=max,ou=users,dc=company,dc=com" and my password is "@secret", one could do this via the dedicated binary on a Linux box (note -ZZ is used for TLS confidentiality, which is possibly unsupported or optional in your environment):
ldapwhoami -x -w "@secret" -D uid=max,ou=users,dc=company,dc=com -ZZ -H ldap://address.of.your.ldapserver/
If the user/pass combination is correct, the answer returned is:
dn:uid=max,ou=users,dc=company,dc=com
If the user/pass combination is NOT correct, the answer returned is (usually):
(49) Invalid Credentials
This could mean, as I said, the password and/or username is wrong, the user does not exist, or the LDAP server's ACLs are broken in such a way that authentication is not possible. More often than not, its the user/pass combo being mistyped, or the user not existing.
In closing, the LDAPWhoAmI operation is a very lightweight and simple method of validating credentials. It also works via other mechanisms too (e.g: Kerberos Single Sign-On, Digest-MD5, etc etc).
Watch out using bind for checking username/password, on some systems it will count as a login, and with login restrictions it might fail.
Using compare is a better option for just checking the password.