A certified check is a personal check guaranteed by the issuing bank, which verifies that sufficient funds are available and earmarks them for payment to ensure security and trust for the transaction.

a key difference is that the funds from a certified check come directly from the account holder’s bank account, whereas the funds from a cashier’s check are drawn from the bank’s own account.

A certified check is a personal check that's gone through an extra step to prove the funds are available. In certifying the check, the bank earmarks the funds in your account to ensure the check ...