For negotiable instruments payable to a third party:
Money Orders are like checks and are intended to provide a safe alternative to sending cash by mail. For a minimal expense of $1.00 per money order up to $1,500, they can be purchased to pay for bills or products as well as manage your budget. It is a reliable option especially for those who may not have checking accounts.
A certified check is a form of check for which the credit union verifies that sufficient funds exist in the account to cover the check at the time the check is written. You can purchase a certified check with funds in your account here at the credit union or with cash. Thus, a certified check cannot "bounce", and is similar to cash for a fee of $10.00.