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A cashier's check or cheque is a check guaranteed by a bank, drawn on the bank's own funds and signed by a cashier.〔(【引用サイトリンク】title=Cashier's check )〕 Cashier's checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. A customer asks a bank for a cashier's check, the bank debits the amount from the customer's account immediately, and then the bank assumes the responsibility for covering the cashier's check. This is in contrast with a personal check, where the bank does not debit the amount from the customer's account until the check is deposited or cashed by the recipient. Cashier's checks deposited into a bank account are usually cleared the next day. It is the customer's right to request "next-day availability" when depositing a cashier's check in person. A cashier's check is not the same as a teller's check, also known as a banker's draft, which is a check provided to a customer of a bank or acquired from a bank for remittance purposes, that is drawn by the bank, and drawn on another bank or payable through or at a bank.〔(12 C.F.R. § 229.2(gg) ).〕 A cashier's check is also different from a certified check, which is a personal check written by the customer and drawn on the customer's account, on which the bank certifies that the signature is genuine and that the customer has sufficient funds in the account to cover the check.〔(【引用サイトリンク】title=Certified Check or Cashier's Check -- Which Is Better for You? )〕 And it should not be confused with a counter check, which is a non-personalized check provided by the bank for the convenience of a customer in making withdrawals or payments, but which is not guaranteed and is functionally equivalent to a personal check.〔(【引用サイトリンク】title=Counter check )〕 == Characteristics == Cashier's checks feature the name of the issuing bank in a prominent location, usually the upper left-hand corner or upper centre of the check. In addition, they are generally produced with enhanced security features, including watermarks, security thread, color-shifting ink, and special bond paper. These are designed to decrease the vulnerability to counterfeit items. To be recognized as a cashier's check, words to that effect must be included in a prominent place on the front of the item. The payee's name, the written and numeric amount to be tendered, the remitter's information, and other tracking information (such as the branch of issue), are printed on the front of the check. The check is generally signed by one or two bank employees or officers; however, some banks issue cashier's checks featuring a facsimile signature of the bank's chief executive officer or other senior official. Some banks contract out the maintenance of their cashier's check accounts and check issuing. One leading contractor is Integrated Payment Systems, which issues cashier's checks and coordinates redemption of the items for many banks, in addition to issuing money orders and other payment instruments. In theory, checks issued by a financial institution but drawn on another institution, as is often the case with credit unions, are teller's checks. Due to an increase in fraudulent activities, starting in 2006 many banks insist upon waiting for a cashier's check to clear the originating institution before making funds available for withdrawal. Personal checks will thus have the same utility in such transactions.〔Mosch S. (Our story. ) Scam Victims United, Accessed 2010-06-16.〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Cashier's check」の詳細全文を読む スポンサード リンク
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