SRFCU offers two types of counter checks: Cashier's checks, and Certified checks.
Cashier's checks are guaranteed to be good because they are drawn against the Credit Union's account.
To take out a cashier's check, you give the teller money for the amount of the check, along with your name and the name of the recipient. The teller makes out the check, signs it, and gives it to you.
Some recipients may want assurance that your check is valid, especially if it's written for a large amount. Certified checks, which are personal checks the Credit Union guarantees it will honor, work well in these kind of cases.
After you write the personal check, the teller stamps it "certified" and then puts a hold on your account for the amount.