A certified check is a type of payment instrument that guarantees the funds are available. When a bank certifies a check, it verifies that the account holder has sufficient funds and sets aside that amount for the check. This process provides assurance to the recipient that the check will not bounce. Certified checks are often used for large transactions, such as purchasing a car or a home, where the seller wants a secure form of payment. Unlike personal checks, certified checks are considered safer because they are backed by the bank, making them a reliable option for both parties involved in the transaction.