Cashier's check
A check drawn on a bank's own funds rather than your personal account: you pay the bank the full amount plus any fee, and it issues a check that is, in effect, the bank's own guaranteed promise to pay. Because the money is the bank's once issued, a cashier's check will not bounce, which is why it is used for high-stakes payments like home and car purchases or large deposits to a stranger. It is also hard to undo — the OCC notes a customer generally cannot stop payment on a cashier's check and the bank must honor it; if one is lost or stolen you report it and request a reissue rather than canceling it.
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Cashier's vs. certified vs. voided check
A cashier's check is drawn on the bank's own funds, so the bank guarantees it. A certified check is your personal check the bank has verified and earmarked. A voided check pays no one — it's a blank check marked VOID that exists only to share your account numbers.
How to stop payment on a check or ACH transaction
To stop payment on a check, tell your bank with the check number, date, amount, and payee; a written request generally holds for six months. To stop a scheduled ACH debit, notify the bank at least three business days before the transfer date. A fee usually applies, and it works only before the item clears.