What is a certified check and how do I get one?

What is a certified check and how do I get one?

money order. A certified check is a personal check written by a bank customer and drawn on the customer's account. The bank certifies that the signature is genuine and that the customer had sufficient funds to cover the check when it was issued. (Here are tips on when you should use a certified check.)

Can you get a certified check at the post office?

You can get a certified check or money order by visiting a local bank or U.S. Post Office branch. Both certified checks and money orders are considered guaranteed forms of payment that are backed by a banking institution or the U.S. government.

How long does it take to get a certified check?

About 15 minutes if you have an accout at that bank with sufficient funds. Come prepared: your ID, your account info, and the details of the payee (the party getting the money). If you show up with a suitcase full of cash, add 15 minutes and be prepared to hear “No, you must be a customer.”

How do I get a certified check without a bank account?

If you don't have a bank account: You can walk into any bank or credit union and ask for a cashier's check. However, some institutions only issue checks for customers, so you may have to try several different locations (or open an account). You could also try a money order instead, if the payee allows it.