Checks are a type of financial instrument that can be used for payments. They are typically issued by banks and can be used to pay for goods and services or to transfer money between accounts. Checking accounts can also be used as collateral for loans.

When you write a check, you essentially authorize the bank to transfer funds from your account to the recipient. The check will include your name, address, account number, and the amount of money that will be deducted from your account.

A personal check is one type of check. In order to use a personal check, you need to obtain and deposit money in a checking account at a financial institution such as a bank, credit union, or brokerage firm.

A cashier's check requires someone to pay the issuer for the amount of the check before they receive it. Payment is usually in the form of cash, and the bank signs the check instead of the consumer. This type of "safe" check is used in situations in which the receiver doesn't wish to be given unverified funds. For example, if you are buying a home, the title company will want the closing costs wired to its bank account or paid with a cashier's check.

Certified checks are a type of check that the issuing bank guarantees but the consumer signs. The amount of money on the check is allocated for one particular transaction and cannot be used for anything else. This prevents the possibility of a bounced check. If you are paying cash for a new automobile, the seller might require a cashier or certified check for the purchase.

Money orders are a type of check that typically have a $1,000 limit. They are issued in post offices, grocery stores and cash-checking stores where the consumer purchases the check and pays a small fee for the privilege. It's a convenient way to send money through the mail when you don't have personal checks.

A business check is used for business payments. The name and address of the company are written on the check. It is a good way to track business expenses when you don't want to use a company credit or debit card.

You can get personal and business checks from your bank or credit union or order them online. When ordering checks online, you will need to provide your name, address, and account number. You will also need to select a check design and specify the number of checks you want.