{"slug":"cashiers-check-vs-certified-check","title":"Cashier's Check vs Certified Check","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","faqCount":7,"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 Chase says the cashier's check amount is withdrawn when you request it, and that a certified check is your personal check."},{"question":"Do certified checks still exist?","answer":"Regulation CC still defines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."},{"question":"Does a certified check set the money aside?","answer":"Regulation CC says certification can mean the bank has set aside funds equal to the check and will use those funds to pay it, or that the bank will pay the check on presentment. Chase says the bank sets the money aside when the check is certified, and that the money is drawn from the linked checking account when the check is cashed or deposited. Chase also says the funds are not withdrawn until the recipient cashes the check. A cashier's check is withdrawn when you request it."},{"question":"How fast do the funds become available?","answer":"Regulation CC puts a cashier's check and a certified check on the same next-day rule. Deposited in a payee's account, in person to an employee of the depositary bank, the funds must be available the next business day. The bank may require its special deposit slip. If the deposit is not made in person to an employee, the rule is the second business day. Amounts over $6,725 on one banking day, and amounts over $6,725 in a new account, can take longer. The CFPB says the bank can take the money back if the check was fraudulent, even after a withdrawal."},{"question":"What if a cashier's check is lost?","answer":"Wells Fargo says you may request a stop payment and reissuance only in a branch, and that Wells Fargo requires an indemnity agreement. For a cashier's check over $1,000, Wells Fargo says the wait is 90 days, 30 days in Wisconsin, and 91 days in New York, unless an acceptable surety bond is provided. The cost of that bond varies. Chase says a cashier's check cannot be canceled the way a personal check can. Confirm the steps with the bank that issued the check."},{"question":"Is a cashier's check safer than a certified check?","answer":"Neither is named safer. Chase says both may provide extra assurance for large transactions, and that both generally offer a high level of security compared with a regular personal check. Bank of America says a cashier's check will not usually bounce because the bank assumes the obligation, and that a certified check is a check for which the bank guarantees payment. The CFPB says a bad check can still be counterfeit, and that the bank can take deposited funds back if the check was fraudulent."}],"faqPageSchema":{"@context":"https://schema.org","@type":"FAQPage","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#faq","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","inLanguage":"en-US","name":"Cashier's Check vs Certified Check — FAQ","description":"Frequently asked questions about Cashier's Check vs Certified Check","dateModified":"2026-10-06T00:00:00.000Z","author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"},"publisher":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"},"isPartOf":{"@type":"Article","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#article"},"license":"https://creativecommons.org/licenses/by/4.0/","speakable":{"@type":"SpeakableSpecification","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#faq-speakable","cssSelector":[".faq-answer"]},"mainEntity":[{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q1","name":"What is the difference between a cashier's check and a certified check?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a1","text":"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.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q2","name":"Do certified checks still exist?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a2","text":"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.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q3","name":"How much does a cashier's check cost?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a3","text":"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.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q4","name":"Does a certified check set the money aside?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a4","text":"Regulation CC says certification can mean the bank has set aside funds equal to the check and will use those funds to pay it, or that the bank will pay the check on presentment. Chase says the bank sets the money aside when the check is certified, and that the money is drawn from the linked checking account when the check is cashed or deposited. Chase also says the funds are not withdrawn until the recipient cashes the check. A cashier's check is withdrawn when you request it.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q5","name":"How fast do the funds become available?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a5","text":"Regulation CC puts a cashier's check and a certified check on the same next-day rule. Deposited in a payee's account, in person to an employee of the depositary bank, the funds must be available the next business day. The bank may require its special deposit slip. If the deposit is not made in person to an employee, the rule is the second business day. Amounts over $6,725 on one banking day, and amounts over $6,725 in a new account, can take longer. The CFPB says the bank can take the money back if the check was fraudulent, even after a withdrawal.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q6","name":"What if a cashier's check is lost?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a6","text":"Wells Fargo says you may request a stop payment and reissuance only in a branch, and that Wells Fargo requires an indemnity agreement. For a cashier's check over $1,000, Wells Fargo says the wait is 90 days, 30 days in Wisconsin, and 91 days in New York, unless an acceptable surety bond is provided. The cost of that bond varies. Chase says a cashier's check cannot be canceled the way a personal check can. Confirm the steps with the bank that issued the check.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}},{"@type":"Question","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#q7","name":"Is a cashier's check safer than a certified check?","answerCount":1,"acceptedAnswer":{"@type":"Answer","@id":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check#a7","text":"Neither is named safer. Chase says both may provide extra assurance for large transactions, and that both generally offer a high level of security compared with a regular personal check. Bank of America says a cashier's check will not usually bounce because the bank assumes the obligation, and that a certified check is a check for which the bank guarantees payment. The CFPB says a bad check can still be counterfeit, and that the bank can take deposited funds back if the check was fraudulent.","inLanguage":"en-US","url":"https://www.aversusb.net/compare/cashiers-check-vs-certified-check","upvoteCount":1,"author":{"@type":"Organization","@id":"https://www.aversusb.net/#organization","name":"A Versus B"}}}]}}