What is a certified check?

A certified check is a personal check that is guaranteed by the bank. When a bank certifies a check, it verifies that the funds are available in the account of the person writing the check and sets those funds aside specifically for that transaction. This process adds a layer of security for the recipient, as it reduces the risk of the check bouncing due to insufficient funds. The bank typically stamps or provides a signature on the check to indicate its certified status.

In contrast, a check that can be cashed immediately refers more to cash or a cash-equivalent transaction and does not involve the certification process. A bank's official money order is a separate financial instrument entirely, distinct from a certified check. Lastly, checks used for online transactions typically refer to electronic payments or transfers, which do not involve traditional paper checks at all.