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hey i'm adam jusko and this is adam answers what is a cashier's check why would you want one how do you get one how does it work we're going to cover all that if you find this video helpful give us a like maybe subscribe so a cashier's check is a check that you get from a bank usually for large purchases in order to verify that the funds are available to actually pay that check it actually is a guaranteed check it is actually written on the bank's bank account versus your own personal checking account and because it is a verified sort of guaranteed check from the bank it is almost the same as cash so it can be a little bit dangerous and you have to be very careful with a cashier's check so that you do not lose it all right let's break that down further and i'm going to take this from the perspective of you being the one that is potentially going to get a cashier's check from the bank so normally if you have a checking account that is a personal checking account when you have paper checks you can write out a paper check and give it to somebody else and this is simply a trust situation where that person is trusting the fact that you have enough money in your bank account to cover that check however you don't necessarily have enough you could have two dollars in your bank account and write out a check for 75 dollars that person is trusting you to have it but they don't have a guarantee a week later they might find out that you check bounce and they aren't going to get that money from you a cashier's check on the other hand does provide a guarantee because when you get a cashier's check you have to go to the bank and you have them write out a check from their own account to the person that is getting the check for the amount that you want to give to that person and you have to cover the cost of that check to the bank so if you have a checking account with them they're going to take that money out of your checking account put it in theirs and then they're going to be the one to write the check to that person so it's almost like a pre-paid check it's not like the check shows up and then they find out if you have enough money or not you have already paid for that check in advance so when a person gets a cashier's check from you they know that it is essentially like cash it is already guaranteed that when they go to cash that check they're going to get the money and it's not going to bounce so let's talk about an example of when you might use a cashier's check and then we'll talk about how you...