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Who can certify a check?

Updated: 9/17/2023
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14y ago

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Only the bank can certify a check, or someone at the bank. Usually, the bank will not certify a personal check, they will issue what is called a "certified check".

A certified check is guaranteed to have available funds by the bank that certifies it. Certified means the funds are held aside. Anyone with a certified check made out to them can go to that bank and collect cash.

In days of banking past, you could have a personal or business check certified by the bank, and they would stamp the check "certified" and hold the funds aside on that item. Now, the bank will just issue a certified check after taking the money from your account and the certified check will be drawn on the bank's account.

This answer is for the U.S. banking system.

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