0 a cheque that a bank has already paid for
1 a cheque that will certainly be paid because the bank has made sure, and states officially, that there is enough money in the account to pay it:
Each of these cheques is really a certified cheque, only it is certified in advance of issue.
If a business man desires to close an important contract requiring cash in advance he sends a bank draft, if at a distance, or a certified cheque, if in the same city.
