A certified check is one that the bank has verified as "good" for the amount indicated.

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A certified check is guaranteed by the bank that the funds are available and will be paid to the recipient. The bank verifies that the funds are in the account and places a hold on them to ensure that the check will clear. Once certified, the bank becomes responsible for the payment, making it a safer form of payment compared to a personal check or money order.

A Certified Check Is One That the Bank Has Verified