A more thorough explanation:

Definition: A certified check is a type of check that guarantees that there will be enough funds available for the recipient by the issuing bank. Additionally, the bank also verifies that the signature on the check is genuine. Certified checks are used to increase confidence that the creditworthiness of the account holder is legitimate and so the check does not bounce. In larger transactions, it may be difficult to pay with cash, so a certified check can be used to secure the amount compared to a personal check, which may bounce.

Let's say you want to buy a car from a private seller. The seller wants to make sure they receive payment before handing over the car. You could write them a personal check, but they may be hesitant to accept it because there's a risk that the check could bounce if you don't have enough funds in your account. To alleviate their concerns, you could get a certified check from your bank. This way, the seller knows that the funds are guaranteed and that the check won't bounce.

Another example is when you're renting an apartment. Your landlord may require you to pay the security deposit and first month's rent with a certified check. This ensures that the funds are available and that the check won't bounce, giving the landlord peace of mind.

These examples illustrate how a certified check can be used to provide assurance to the recipient that the funds are guaranteed and that the check won't bounce. It's a way to increase confidence in the transaction and reduce the risk of financial loss.