A cashier's check (also known as a bank check, official check, teller's check, bank draft or treasurer's check) is a check guaranteed by a bank. They are usually treated as cash since most banks clear them instantly.
Cashier's checks draw directly on a customer's account and the bank becomes the primary obligor. Consumers requiring a cashier's check must pay the amount of the check to the bank. The bank will then issue a check to a third party named by the consumer. Many businesses require that bills be paid by cashier's check instead of personal check, because they are assured that the funds are available with a cashier's check.
Merchants State Bank issues cashier's checks for a $5.00 fee.