 TITLE: What Is a Cashier’s Check and How Does it Work? CONTENT: How Do Cashier's Checks Work?\n-----------------------------\nA cashier's check works like a personal check but with one key difference: Instead of the check being guaranteed by money in your bank account, it's guaranteed by the bank or credit union that issued the check.\nIn addition to having a bank or credit union guarantee, cashier's checks also typically come with added security features, such as a watermark or signatures from two bank or credit union employees.\nWhen you request a cashier's check, you'll pay the financial institution that issues it, either with cash or a withdrawal from your bank account. The check is then issued to you, with the name of the person or business you're paying in the recipient line. You cannot get a blank cashier's check.\nCashier's checks are often required when you are making large purchases in which the seller needs a high level of certainty that the check won't bounce.\nBecause they're one of the safest forms of payment available, they also tend to clear more quickly than personal checks—usually by the next business day. However, larger checks may be held for longer than that to ensure that they're not fraudulent. END