 TITLE: How Do Certified Checks Work? CONTENT: What Is a Certified Check Used For?\n-----------------------------------\nCertified checks are generally used for significant transactions when the seller doesn't want to or can't accept other forms of payment.\nFor example, you might have to use a certified or cashier's check to make a down payment on a car if the seller doesn't want to pay card processing fees or handle large amounts of cash. Or, you may need a certified check for a security deposit when you move into a new home. Similarly, a certified or cashier's check could be the best option when making a down payment on a mortgage.\nBecause they offer more security than personal checks, a certified check could also be an option for smaller, informal purchases—such as when you buy something via Facebook Marketplace or Craigslist. But be wary of the many scams that can go hand-in-hand with online marketplaces. END