[Illustration: A bank draft.]
If you wish to use your cheque to pay a note due at some other bank
than your own, or in buying real estate or stocks or bonds you may
find it necessary to get your cheque certified. This is done by an
officer of the bank, who writes or stamps across the face of the
cheque the words "Certified" or "Good when properly indorsed" and
signs his name. (See illustration, p. 244.) The amount will
immediately be deducted from your account, and the bank by
guaranteeing your cheque becomes responsible for its payment. If you
should get a cheque certified and then not use it deposit it in your
bank, otherwise your account will be short the amount for which it is
drawn.