The era of writing checks for everyday purchases is closing quickly. Apple Pay, mobile wallet and the ability to pay most of your bills online eliminates many of the traditional instances that call for writing a physical check. However, there will always be situations that require official checks (also known as a cashier's check, bank check, treasurer's check or a certified check) when you need guaranteed funds.
What is an Official Check? This type of check comes from the financial institution or bank’s funds and not your own personal checking account (like a personal check would). This method is often requested when making large purchases (like a down payment on a home) to ensure the amount on the check will be covered. For example, the bank will have the funds guaranteed, unlike a check from a personal account that could potentially not have the funds available to cover the amount. This type of check can also be more secure since, unlike a traditional check, your account and routing information is not listed on the check.
How do I request an Official Check?
Aside from requesting an Official Check, here are the most frequently asked questions in the Member Community pertaining to official/cashier checks:
Here in Member Community, we are consistently working on best ways to address some of the most commonly discussed topics. Hopefully, this clears up some of the questions you may have about obtaining an official check.
Do you have additional questions about the process? Please do not hesitate to ask in the comments!
About the Blogger: Briana Hartzell is a Navy spouse, mother to two beautiful girls (three years and one year old), a former full time USAA employee and a graduate of Texas A&M University. Briana writes at Being Briana, a blog focused on the joys that military life and parenthood can bring.
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