A cashier’s check is drawn against the bank’s account rather than yours, which makes the bank responsible for paying the check. You provide funds to the bank to cover the check from your account. A cashier’s check offers several benefits and protections you may not enjoy with personal checks or cash payments. Here’s what you need to know about using cashier’s checks, how to get one, and what to use in its place if you need another option.Key TakeawaysA cashier’s check is drawn from a bank’s or credit union’s funds and signed by a cashier or teller, which means that the bank guarantees payment of the check.A cashier’s check provides protection that a personal check does not. So it's useful for making a large payment—for a land purchase, for example, or a down payment on a home.You can get a cashier’s check by visiting your bank branch or credit union or going to its website if it offers these checks online.If you don’t want to use a cashier’s check, other options include a money order,...
