Cashier's Checks are available for purchase at SouthernTrust Bank for a small fee as disclosed in the bank's current fee schedule. At this time Cashier's Checks at SouthernTrust Bank can only be purchased by existing SouthernTrust Bank customers.
Because of their relative safety, Cashier's Checks are often used for infrequent transactions where the customer and merchant don't know each other. Traditionally Cashier's Checks have been among the safest checks to accept. This is because the promise to pay is made by the bank issuing the check - not the person who uses the check. They are sometimes called bank drafts.
Unlike personal checks, Cashier's Checks debit your account when they are issued. This means, of course, that you can't get a Cashier's Check unless you actually have available funds in the account. Once your account is debited, the bank is responsible for paying the payee.