Funds from certified check vs. cashier's check come directly from the account holder's bank account vs. being drawn from the bank's own account.

You typically need your checking account number to set up electronic payments or direct deposits. The easiest way to find that number is on a personal check, but there are other solutions if you ...

Funds come from the account holder’s personal account ... or an MICR number that doesn’t match the check number. Certified and cashier’s checks are both acceptable forms of payment.