Purchasing a cashier's check immediately transfers the monetary amount of that check from the buyer's account into the bank's account, where it remains until the recipient cashes the check, explains About.com. Because the bank verifies the funds before issuing the check, cashier's checks are more secure than personal checks.
The purchaser visits his bank or credit union to purchase a cashier's check. It is important for the purchaser to bring government-issued photo identification as well as enough cash to pay for the cashier's check if the funds in his account are not sufficient to cover the amount of the cashier's check, as stated by About.com.
When the purchaser asks the bank teller for a cashier's check, the teller generally requests the following information: exact dollar amount of the check, the name of the recipient and any information that should go into the "MEMO" field on the check. Once the purchaser agrees, states About.com, the bank issues the check and removes the appropriate amount from the purchaser's account, keeping it until the recipient presents the check.
People who do not have bank accounts can still purchase cashier's checks from some institutions, but it is in the bank's discretion whether or not to allow an individual to purchase a cashier's check. If a cashier's check is unavailable, the purchaser can also go to a convenience store, the post office or the customer service desk at a grocery store to buy a money order, which is another depositable form of payment backed by verified funds, according to About.com