The requirement to provide certified funds is not an issue of trust. We are legally and ethically prohibited from writing checks from our trust account unless the funds to back those checks are on deposit in our trust account. We are not permitted to write checks on your behalf using any funds other than those belonging to you. If you were to bring us a personal check, the check will not clear for several days and, as such, your funds will not be on deposit in our trust account when we are writing our checks on your behalf. However, certified funds do not need to clear and are immediately available to be used upon deposit. We are therefore able to deposit your certified check and immediately write the checks necessary to close your transfer.
