I've heard the term Cashiers Check. I've heard the term Certified Check. But, what is a "Certified Cashiers Check"? Thanks in advance!

This from the Banker's Online website:
"QUESTION: I understand that a Certified Check is written on funds deposited in an account and the bank guarantees those funds for the check. A cashier's check is purchased with funds provided by the customer and the bank issues a cashier's check that is guaranteed by those funds. Am I correct or not?

ANSWER: Article 3 of the Uniform Commercial Code defines a "certified check" under 3-409 as "a check accepted by the bank on which it is drawn. Acceptance may be made as stated in subsection (a) or by a writing on the check which indicates that the check is certified. The drawee of a check has no obligation to certify the check, and refusal to certify is not dishonor of the check."

You are correct that a certified check is one drawn on a customer's account on which the bank has noted its certification.

A cashier's check is a direct bank obligation -- a check drawn by the bank on an account maintained at the same institution. It is defined under UCC 3-104(g) as "a draft with respect to which the drawer and drawee are the same bank or branches of the same bank."

You can also look at Answers.com : cashier's check: Definition and Much More from Answers.com (http://www.answers.com/topic/cashier-s-check?cat=biz-fin)