A counter check is bank-provided check that takes the place of a personal check. Banks only issue counter checks to active account holders.
Counter checks differ from both personal checks and cashier's checks. Unlike personal checks, counter checks do not include the account holder's name and address. A counter check has the bank's address, but it is printed with the account holder's account number.
Similar to a personal check, the issuance of a counter check does not guarantee that the funds are available. The only way to guarantee funds is with a cashier's check, as the amount is automatically debited when the check is issued. Depending on the bank, fees for counter checks and cashier's checks range from $1 to $10.