Which type of check is specifically drawn by a bank on its own funds?

A cashier's check is a type of check that is drawn directly from a bank's own funds. When a customer requests a cashier's check, the bank guarantees payment by using its own funds rather than those of the account holder. This provides a high level of security and trust, as the check is backed by the bank itself.

In contrast, a certified check is one that a bank certifies to be good by verifying that the signature is legitimate and that sufficient funds exist in the account at the time of certification, but it is still drawn on the funds of the individual account holder. Personal checks are issued by individuals from their personal bank accounts and are not guaranteed by the bank. Traveler's checks, while prepaid and safer for travel, are designed for use when making purchases and carry their own unique features but do not represent a direct check drawn on bank funds in the same way as a cashier's check.

This distinction makes the cashier's check the most reliable form of payment among these options for transactions requiring a guaranteed method of payment.