{"slug":"cashiers-check-vs-certified-check","question":"Cashier's Check vs Certified Check","answer":"A cashier's check is drawn on the bank's own funds: Regulation CC defines it as a check signed for the bank as drawer and a direct obligation of the bank. A certified check is the customer's own check that the drawee bank certifies, and Regulation CC says the bank has set aside funds equal to the check to pay it, or that the bank will pay the check on presentment. Neither is named the winner.","answer_curated":true,"verdict":"Cashier's check (US): Regulation CC makes it a direct obligation of the bank. Chase lists $10 at a branch. Bank of America lists $15. Wells Fargo lists $10. Confirm the fee with the bank.\n\nCertified check (US): the customer's own check. Regulation CC says the drawee bank certifies it and has set aside funds equal to the check, or will pay it on presentment. These three bank schedules do not state a certified-check fee.\n\nNeither is named the winner.","keyDifferences":[{"label":"Whose funds","entityAValue":"The bank's. A direct obligation of the bank","entityBValue":"The customer's check. The bank certifies it","winner":"tie"},{"label":"When the money moves","entityAValue":"Chase: withdrawn from your account when you request the check","entityBValue":"Regulation CC: funds set aside, or the bank pays on presentment","winner":"tie"},{"label":"US fee","entityAValue":"Chase $10. Bank of America $15. Wells Fargo $10. Confirm with the bank","entityBValue":"These three schedules do not state a fee. Confirm with the bank","winner":"tie"},{"label":"Where to get it (US)","entityAValue":"Chase branch. Bank of America financial center. Wells Fargo online or in person","entityBValue":"Chase says certification may require a bank visit","winner":"tie"},{"label":"Deposit availability","entityAValue":"Next business day in person, under Regulation CC. Second business day if not in person","entityBValue":"The same next-day rule as a cashier's check","winner":"tie"}],"winner":null,"confidence":"high","entities":[{"name":"Cashier's check","slug":"cashiers-check","url":"https://www.aversusb.net/entity/cashiers-check","alternativesUrl":"https://www.aversusb.net/api/v1/alternatives/cashiers-check"},{"name":"Certified check","slug":"certified-check","url":"https://www.aversusb.net/entity/certified-check","alternativesUrl":"https://www.aversusb.net/api/v1/alternatives/certified-check"}],"faqs":[{"question":"What is the difference between a cashier's check and a certified check?","answer":"Regulation CC says a cashier's check is drawn on the bank, signed for the bank as drawer, and is a direct obligation of the bank. A certified check is a check the drawee bank certifies. Certification means the drawer's signature is genuine and the bank has set aside funds equal to the check that will be used to pay it, or that the bank will pay the check on presentment. Chase says the cashier's check amount is withdrawn when you request it, and that a certified check is your personal check."},{"question":"Do certified checks still exist?","answer":"Regulation CC still defines a certified check. Chase still describes one as a personal check the bank verifies, and Bank of America still defines one as a check for which the bank guarantees payment. Chase's personal fee schedule states a cashier's check fee and a money order fee. It does not state a certified-check fee. Confirm with the bank whether it will certify a check."},{"question":"How much does a cashier's check cost?","answer":"Chase lists $10 per cashier's check purchased at a branch. Chase Premier Plus Checking and Chase Private Client Checking pay no Chase fee for one. Chase says a Sapphire Checking customer pays no Chase fee for one, and that Sapphire Checking is no longer available for new account openings. Bank of America lists $15, waived for Preferred Rewards. Wells Fargo lists $10 each, plus $8 to deliver an online order inside the United States. Confirm the fee with the bank. These schedules do not state a certified-check fee."}],"attribution":{"source":"A Versus B","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","license":"CC BY 4.0","citationFormat":"According to A Versus B (https://www.aversusb.net/compare/cashiers-check-vs-certified-check), A cashier's check is drawn on the bank's own funds: Regulation CC defines it as a check signed for the bank as drawer and a direct obligation of the bank. A certified check is the customer's own check","dateModified":"2026-10-06T00:00:00.000Z"},"relatedQuestionsUrl":"https://www.aversusb.net/api/faq/cashiers-check-vs-certified-check","relatedComparisonsUrl":"https://www.aversusb.net/api/v1/related/cashiers-check-vs-certified-check","knowledgeGraphUrl":"https://www.aversusb.net/api/knowledge-graph/cashiers-check-vs-certified-check"}