An individual could use a cashier's check instead of a personal check to guarantee that his or her funds for payment are available. A cashier's check is secured because the amount of the check must first be deposited by the individual into the issuing institution's own account. The person or entity to whom the check is made out is then guaranteed to receive the money when cashing the check.
Cashier's checks differ from certified checks in that the funds owing on a cashier's check are taken from the issuer's account, while the funds owing on a certified check are taken from the remitter's account.
фр.chéque de banque
исп.cheque de caja
чек, выписанный банком на себя
Чек, выписанный банком на себя и заверенный им же. В такой форме часто требуются гарантийные ценные бумаги.