A cashier's check is a check drawn against the bank's own funds rather than your personal account. Because the bank guarantees it, a cashier's check is one of the most secure ways to make a large payment.
How a cashier's check works:
- You ask RMO to issue a cashier's check for a specific amount, payable to a specific person or company.
- RMO moves that amount — plus any applicable fee — from your account.
- The bank issues the check from its own funds, so the recipient knows it is backed.
When you typically need one: for large or important transactions where the recipient wants certainty the money is real — a home down payment or closing, buying a vehicle, or a security deposit.
A related term — certified check: a certified check is a personal check the bank confirms by verifying and setting aside the funds. Cashier's checks are more common today.
Scam caution: cashier's checks are frequently faked in scams. If someone sends you one — especially with a request to deposit it and send part of the money back — treat it as suspicious. See common scams and how to avoid them.
To request a cashier's check, visit an RMO Retail Center with valid ID. For smaller payments, a money order may be a better fit.