Official Checks are perfect when you need to guarantee funds immediately. They are often used for large purchases, such as buying a car or making a deposit on your next apartment, but unlike cash, you can stop payment if your check gets lost or stolen.

Official Checks are sometimes referred to as cashier's checks, treasurer's checks or bank checks. Unlike personal checks, you don’t need a checking account and you pay the face value up front. Once purchased, Official Checks are secured by HFS, thereby assuring the payee immediate access to their money.

A Money Order is a form of prepaid payment that is used to pay or send money to people as a potentially safer alternative to cash or checks. Funds are guaranteed and a stop payment can be issued, if necessary. They are the perfect alternative to checks in situations where either checks are not accepted or you don’t have access to checks or a checking account. You can purchase a Money Order for any amount up to $1,000 for a nominal $1.00 fee.

American Express Gift Checks are prepaid checks that you can give as gifts. Recipients use the checks for purchases as an alternative to cash.

If you want a gift that everybody will love, give them an American Express Gift Check. It’s like giving them cash or a gift card to anywhere that accepts American Express, but classier, and can be replaced if lost. You can buy gift checks in $25, $50, and $100 amounts at any HFS branch.