A cashier's check is a type of payment instrument issued by a bank, guaranteeing the funds are available. Unlike personal checks, which can bounce if there are insufficient funds, a cashier's check is backed by the bank's own funds, making it a secure option for large transactions. To obtain a cashier's check, a customer must request it at their bank, providing the amount and the recipient's details. The bank then withdraws the specified amount from the customer's account and issues the check, ensuring that the recipient can cash it without concerns about payment reliability.