Whenever a bank certifies a check, the amount thereof shall be immediately charged against the account of the drawer.
Withdrawals and CollectionsCertified Checks
Section § 1455
When a bank certifies a check, it means the bank verifies there are enough funds in the check writer's account and then immediately deducts that amount from their account.
check certification bank balance funds verification
Section § 1456
If a bank officer or employee certifies a check, they must ensure the person writing the check has enough money in their bank account to cover it. If they don't follow this rule, it is considered illegal.
If someone knowingly breaks this rule or tries to get around it using tricks or fake documents, they can be charged with a serious crime called a felony.
It shall be unlawful for any officer or employee of a bank to certify any check drawn upon such bank, unless the drawer has on deposit with the bank, at the time such check is certified, an amount to his credit on the books of the bank not less than the amount specified therein.
Any bank officer or employee who wilfully violates the provisions of this section or who resorts to any device or receives any fictitious obligations directly or
indirectly in order to evade the provisions of this section is guilty of a felony.
bank officer responsibilities check certification sufficient funds
