Certified Check vs. Cashier’s Check: Key Differences Explained

Certified checks and cashier’s checks may seem almost identical, but the differences matter, especially for high-value transactions. Both are considered safe, reliable payment methods backed by a bank or credit union, but they differ in how the bank guarantees the funds and whose account the money comes from.

Let’s look at each type of check, compare them side by side and help you decide which is appropriate for your situation.

What is a certified check?

A certified check is a personal check that your bank has verified and formally certified. The bank confirms two things: that your signature is authentic and that you have sufficient funds in your account to cover the check. Once the check is certified, the bank earmarks those funds so they can’t be used for anything else.

Even though the money remains in your account until the recipient deposits or cashes the check, certification ensures the funds are reserved. The check will not bounce as long as there are no other issues.

What is a cashier’s check?

A cashier’s check is issued and backed by the bank itself. When you request one, the amount is withdrawn from your account — either immediately debited or paid in cash — and moved into the bank’s own funds. The bank then issues the check drawing on its funds, not yours.

Essentially, this means that the bank guarantees payment, which often gives the recipient greater confidence that the funds are secure.

Recipients often receive fund availability the next day. However, the receiving bank may place holds on large amounts or under certain conditions, like if they suspect fraud.

Certified check vs. cashier’s check: key differences

When comparing a cashier’s check and a certified check, the main differences come down to who issues the check, where the funds are held and the level of security involved. While both are secure payment options, understanding these distinctions may help you choose the best method for your transaction.

Which one should you use?

Deciding between a cashier’s check and a certified check often comes down to the size of the payment, the formality of the transaction and the level of security the recipient expects.

A cashier’s check is typically preferred for larger or more formal transactions. Since the bank issues and backs the payment with its own funds, it offers the highest level of assurance and is widely accepted.

A certified check can be a good choice when you want to use your own check but still add the bank’s verification for extra credibility. This approach confirms that the funds are available and reserved, which can reassure the recipient.

In some cases, the choice will depend on the recipient’s preferences. Certain organizations or individuals may request one type over the other, so it’s best to confirm before making your decision.

How to get a certified or cashier’s check

Both certified checks and cashier’s checks are obtained directly from a bank or credit union, and the process usually starts with an in-person visit or, in some cases, an online request. Most institutions require you to hold an account with them to issue either type of check.

For a certified check, you’ll bring your personal check to the bank. A teller will verify your identity, confirm your signature and ensure you have enough funds in your account. The bank will earmark those funds and stamp or mark the check as certified.

For a cashier’s check, you’ll provide the amount and the recipient’s name. The bank will withdraw the money from your account and issue a new check drawn on its own funds, signed by a bank representative.

In both cases, you’ll need valid identification, such as a driver’s license or passport. Fees and availability can vary, and some banks may place limits on same-day issuance depending on your account status or the check amount.

Certified and cashier’s checks: alternatives

Certified checks and cashier’s checks aren’t your only options. Depending on the urgency, cost and formality of the transaction, you might consider other methods that may be faster or more convenient.

• Wire transfers move money directly from one bank account to another, often within the same day. They are a good choice for large amounts that need to arrive quickly, though they usually come with higher fees.
• Person-to-person (P2P) payments through a bank or credit union’s app, or through government-insured payment platforms linked to your account, allow you to send smaller amounts electronically. These transfers are typically fast, but limits and security features vary by institution.
• Money orders are prepaid payment instruments you can purchase at banks, credit unions, post offices or certain retailers. They are usually less expensive than cashier’s checks and can be a practical choice for smaller transactions, though they have lower maximum limits.

Each option has different protections, costs and processing times, so it’s worth comparing them all to decide which best meets your needs.

Disclosure: This article is for general educational purposes. It is not intended to provide financial advice. It also is not intended to completely describe any Citi product or service. You should refer to the terms and conditions financial institutions provide for various products.