Visit your bank or credit union’s branch to request a counter check. Before you make a trip to the branch, call and ask if counter checks are available. Find out what the process is, and if you need to use any particular branch. Of course, if you use an online-only bank, you can’t get counter checks because there is no branch to visit.
A cashier's check is a certified check (official check). So someone goes into a bank and either gives them cash, or they withdraw the money that they already have in their account and get it put into a cashier's check. That check is recorded by the bank, so if that check is lost they have to go back to the bank to get the money transfered again.
Trust: Credibility is another difference between money orders and cashier’s checks. Cashier’s checks are drawn against a bank and guaranteed by the bank, while other types of organizations issue money orders. Sometimes a money order is perceived to be less secure than a cashier’s check and will not be accepted as a substitute.
A certified check doesn't necessarily mean payment is certain. Read about the differences between a cashier's check and certified checks.
Cashier's checks are one of the most secure forms of payments available, but they are not necessarily flawless options. Always evaluate options to make sure a cashier's check is the right choice ...
How to Get a Cashier's Check. A cashier's check is a check that is a drawn on a bank's funds rather than your own personal funds. It offers a secure way to pay in situations where a personal check is not appropriate, such as real estate...
A cashier's check is also different from a certified check, which is a personal check written by the customer and drawn on the customer's account, on which the bank certifies that the signature is genuine and that the customer has sufficient funds in the account to cover the check. Also, a cashier's check should not be confused with a counter ...
Cashier’s check vs. certified check vs. money order. A certified check is a personal check written by a bank customer and drawn on the customer’s account.
The certified check is still a check, in the sense that the person claiming responsibility for paying the amount noted on the check might ultimately be unable to pay it. A cashier's check is more or less equivalent to cash. Because the customer has paid for the check in advance, the bank takes the responsibility to fund it when the payee cashes it.
As a practical matter, there are fewer opportunities for forgery and disputes using a cashier's check. Since there may be problems with either kind of check, if you have any misgivings at all about accepting payment via either, you should call the Bank which issued the check to ensure there are no problems or questions that stop the bank from honoring the check.