# Does a certified check clear immediately? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [October 29, 2007, 7:26am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794 "2007-10-29T07:26:34Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [October 29, 2007, 7:26am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/1 "2007-10-29T07:26:34Z")
If someone pays for my Elise via certified check, will i be able to take it to the bank and turn it to cash immediately? ---
**Author:** ![EvilJay](https://avatars.discourse-cdn.com/v4/letter/e/a5b964/32.png) [@EvilJay](https://forums.speedlife.net/u/EvilJay)\ **Post date:** [October 29, 2007, 7:27am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/2 "2007-10-29T07:27:37Z")
Yes. ---
**Author:** ![Locutus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/locutus/32/7574_2.png) [@Locutus](https://forums.speedlife.net/u/Locutus)\ **Post date:** [October 29, 2007, 7:29am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/3 "2007-10-29T07:29:34Z")
yes but make sure the bank certifies it as legit ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [October 29, 2007, 7:31am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/4 "2007-10-29T07:31:12Z")
how do i do that? i am meeting the guy, he’s giving me the checks, i’m giving him the car. i can understand why he doesn’t want to roll with 30G cash though… ---
**Author:** ![StairSRT4](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/stairsrt4/32/7585_2.png) [@StairSRT4](https://forums.speedlife.net/u/StairSRT4)\ **Post date:** [October 29, 2007, 7:32am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/5 "2007-10-29T07:32:46Z")
I don’t think it does. It takes 3 business days I believe to clear ---
**Author:** ![Willybeen](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/willybeen/32/7351_2.png) [@Willybeen](https://forums.speedlife.net/u/Willybeen)\ **Post date:** [October 29, 2007, 7:32am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/6 "2007-10-29T07:32:50Z")
do you know the buyer? ---
**Author:** ![Willybeen](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/willybeen/32/7351_2.png) [@Willybeen](https://forums.speedlife.net/u/Willybeen)\ **Post date:** [October 29, 2007, 7:34am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/7 "2007-10-29T07:34:09Z")
a friend of mine sold his R1 and the bank cashed the check and 3 days later demanded a refund due to the check being fraudulently made. He lost his bike, the title to the bike, and 8k… 2 years later they found the bike being ridden in canada by the crooked police officer who stole it. horrible ---
**Author:** ![EvilJay](https://avatars.discourse-cdn.com/v4/letter/e/a5b964/32.png) [@EvilJay](https://forums.speedlife.net/u/EvilJay)\ **Post date:** [October 29, 2007, 7:34am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/8 "2007-10-29T07:34:54Z")
Don’t listen to a woman. Just cash it, roll with 30 g’s in your pockets. If you are worried about it, have him get a cashier’s check from the bank. ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [October 29, 2007, 7:37am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/9 "2007-10-29T07:37:09Z")
what’s the difference between a certified check and a cashier’s check? ---
**Author:** ![Locutus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/locutus/32/7574_2.png) [@Locutus](https://forums.speedlife.net/u/Locutus)\ **Post date:** [October 29, 2007, 7:37am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/10 "2007-10-29T07:37:32Z")
[quote=“EvilJay,post:8,topic:37794"”] Don’t listen to a woman. Just cash it, roll with 30 g’s in your pockets. If you are worried about it, have him get a cashier’s check from the bank. [/quote] word and no negation. you must get verification from your bank that the check it legit and funds have been deposited to your account. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [October 29, 2007, 7:37am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/11 "2007-10-29T07:37:45Z")
[quote=“EvilJay,post:8,topic:37794"”] Don’t listen to a woman. Just cash it, roll with 30 g’s in your pockets. If you are worried about it, have him get a cashier’s check from the bank. [/quote] Any check can be fraudulent. The only way I’d take any check is if I went to the bank with the person and watched the bank cut the certified check and hand it to him. ---
**Author:** ![Willybeen](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/willybeen/32/7351_2.png) [@Willybeen](https://forums.speedlife.net/u/Willybeen)\ **Post date:** [October 29, 2007, 7:38am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/12 "2007-10-29T07:38:16Z")
bottom line. make him cash the check with you and get his signature on the back of it… and deposit the money while in the bank. ---
**Author:** ![Locutus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/locutus/32/7574_2.png) [@Locutus](https://forums.speedlife.net/u/Locutus)\ **Post date:** [October 29, 2007, 7:38am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/13 "2007-10-29T07:38:42Z")
trust me on this… even cashiers check can be a fraud. ---
**Author:** ![LAFENGAS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/lafengas/32/7573_2.png) [@LAFENGAS](https://forums.speedlife.net/u/LAFENGAS)\ **Post date:** [October 29, 2007, 7:39am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/14 "2007-10-29T07:39:49Z")
HAHAHA i just got your sig newman. that’s funny. ---
**Author:** ![EvilJay](https://avatars.discourse-cdn.com/v4/letter/e/a5b964/32.png) [@EvilJay](https://forums.speedlife.net/u/EvilJay)\ **Post date:** [October 29, 2007, 7:40am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/15 "2007-10-29T07:40:24Z")
[quote=“newman,post:9,topic:37794"”] what’s the difference between a certified check and a cashier’s check? [/quote] I was going to ask you how you could possibly not know the difference, but then i realized this kind of information isn’t generally promulgated on myspace. A certified check is a check from the bank that clears instantly. A certified check is a check that they cut after they verify that the funds are currently in the account. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [October 29, 2007, 7:47am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/16 "2007-10-29T07:47:57Z")
Shouldn’t be a big deal to meet the guy at the bank and get the certified check while you’re there. If it is a big deal that should raise red flags. 1. You know it’s a legit check because you watched the bank cut it. 2. You know it can’t bounce, even if he tries to move the funds out of the account 10 seconds after you drive away, because it amount of the check has already been held by the bank. That’s how certified checks work. They are “unbounceable” because the bank deducts the balance of the check the moment they write it, not when it’s cashed. ---
**Author:** ![LAFENGAS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/lafengas/32/7573_2.png) [@LAFENGAS](https://forums.speedlife.net/u/LAFENGAS)\ **Post date:** [October 29, 2007, 7:49am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/17 "2007-10-29T07:49:06Z")
[quote=“JayS,post:16,topic:37794"”] 1. You know it can’t bounce, even if he tries to move the funds out of the account 10 seconds after you drive away, because it amount of the check has already been held by the bank. That’s how certified checks work. They are “unbounceable” because the bank deducts the balance of the check the moment they write it, not when it’s cashed. [/quote] true… the only issue about a certified check…would be if it’s real or not. ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [October 29, 2007, 7:49am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/18 "2007-10-29T07:49:55Z")
It’s going to be a problem because i can’t meet with him at any time when a bank is going to be open. ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [October 29, 2007, 7:50am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/19 "2007-10-29T07:50:08Z")
for 30k i would go with him to his bank to watch them cut it… OR have him do a wire transfer from his bank to yours, and do it while you are at your bank. so your bank can verify that funds are recieved and everything is good ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [October 29, 2007, 7:50am UTC](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794/20 "2007-10-29T07:50:27Z")
[quote=“newman,post:18,topic:37794"”] It’s going to be a problem because i can’t meet with him at any time when a bank is going to be open. [/quote] is 30k worth a day off? [Next page](https://forums.speedlife.net/t/does-a-certified-check-clear-immediately/37794.md?page=2)