Answer :
Two types of bank checks are Certified Checks and Cashier's Check.
A cashier's check is not drawn on the funds in your checking account; rather, it is written on the funds at the bank. In order to obtain a cashier's check, you must transfer money from your checking or savings account into the bank's own account (plus a small premium for the service). The cashier's check is then printed by a bank representative along with the payee and remitter names, the bank's name, and account details. By the following working day, the payee often has access to the monies.
When you write a certified check, your name and account number are printed on the check, and the funds are taken directly out of your personal checking account.
The check will be signed by you and a bank official in addition to having the words "certified" or "accepted" printed somewhere on it. The bank may hold onto those cash until the check clears because it has guaranteed that check.
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