whats a 'certified cheque'?

[Alex]

i was gonna order some hardware online today when i saw the option to mail a certified cheque to the company... this isnt usually there...

can i just mail a regular cheque? or what?

 

[Colt45]

cashier's check i guess?

no idea. i dont really use cheques often...

 

[Jeff7181]

I believe it's like a money order from a bank... those are generally safer because the bank is backing the validity of it... as opposed to a money order from the post office or western union.

 

[Alex]

so how would i get a certified cheque just go to the bank? they probably charge me for it eh?

bah ill just use my gfs visa and pay her back 🙂

 

[hjo3]

Certified cheque? Sounds like the wrong way of writing "certified check."

 

[Alex]

Originally posted by: hjo3
Certified cheque? Sounds like the wrong way of writing "certified check."

no

its certified cheQUE

 

[AnyMal]

Originally posted by: hjo3
Certified cheque? Sounds like the wrong way of writing "certified check."

There's nothing wrong with "cheque", it's been spelled this way for hundreds of years. Anyhow.. I'm sure that certified is the same as cashiers check. Are you in Canada? It's a check that bank issues on your behalf and gurantees that funds will clear. Banks usually charge a nominal fee of $1 to $3

 

[Alex]

Originally posted by: AnyMal

Originally posted by: hjo3
Certified cheque? Sounds like the wrong way of writing "certified check."

There's nothing wrong with "cheque", it's been spelled this way for hundreds of years. Anyhow.. I'm sure that certified is the same as cashiers check. Are you in Canada? It's a check that bank issues on your behalf and gurantees that funds will clear. Banks usually charge a nominal fee of $1 to $3

thats what i suspected... i do live in canada 🙂

so yeah i guess im just using the gfs visa for this one 🙂

 

[beer]

Rossman should know, he works for a bank....or something

 

[Marauder-]

I think Certified Checks are not only backed by the bank but they're usually for amounts over $500 or $1000 as well - which is probably your case regardless. It's pretty stupid since a MO backed by the Post Office is just as good as cash anyways. If the Post Office check bounces, you have bigger worries on your hands.

 

[Spoooon]

If the Post Office check bounces, you have bigger worries on your hands.

That may be one of the signs of the coming civil war. 😀

 

[Jombo]

cc's prolly the easiest way to go.

i think if you get computers or whatever big item purchases as a COD, the sender usually requests a cashier's check, or certified check from your bank. it cost a couple bucks, but prolly the safest way to send few hundred bucks, for both parties involved.

in a COD situation, the seller/sender can determine whether you'll only accept certified/ cashier's check or personal checks also..

 

[AIWGuru]

It's spelled Cheque in Canada and every other English speaking country except the United-we butcher English-States.
It's the same thing as a money order but slightly more expensive and usually for larger ammounts of money. You can get one at any teller.

 

[TheCorm]

Over here in the UK, if you refer to a "cheque" as "check" you have to pay a £5 on the spot.

Certified Cheque = Like a normal cheque but wears a straight jacket and is in a little padded cell style cheque book.

 

[tcsenter]

A certified check is a regular personal or business check drawn on the payer's personal or business checking account and the availability of funds is certified by the bank at which the payer holds the account.

You write a check, take it to the bank teller and request that it be certified. The teller verifies that you have enough money in your checking account, sets the amount (plus the certification fee) aside from your account into the bank's certified checks account, then marks the check with a bank stamp indicating the bank has certified the check, then an officer of the bank signs it. The bank then becomes obligated for the funds, not you.

Banks are not required to provide the service of check certification. In that case, request a cashier's check or certified money order.

 

[Alex]

cool cool
still too complicated, i'd rather use my girls visa and pay her back in cash 🙂