I think you're talking about a "cashier's check" which we have in the US too; the problem is that these can be forged, and the bank will still accept it as a de

I think you're talking about a "cashier's check" which we have in the US too; the problem is that these can be forged, and the bank will still accept it as a deposit. What many people don't know, is that when the check fails to clear, the depositor is liable for the missing funds, not the forger.