Which type of check assures that the drawer has sufficient funds to make payment?

A certified check is a type of check that assures the payee that the drawer has sufficient funds in their account to cover the check. When a check is certified, the bank guarantees that the drawer’s account is valid and that the funds are available at the time of certification. This process typically involves the bank setting aside the specified amount of money in the drawer's account to ensure that it is available when the check is cashed or deposited.

In contrast, a cashier's check is also a secure form of payment but is drawn against a bank's funds rather than the individual's account. A restricted check places limits on how it can be used, while an open check can be cashed or deposited by anyone, and it does not guarantee the availability of funds firsthand. Understanding these distinctions clarifies why a certified check stands out as the option that directly assures sufficiency of funds for payment.