Well First off i'd say their is a BIG difference between getting hacked and accepting a certified cashiers check. I just got off the phone with a lady at my bank where i have had an account for over 40 years and talked to her about this issue.I would never take a check and accept it on face value that it is good until it has shown that it is good. I wouldn't send anyone a plane or jet or whatever till my bank said the funds were available and transfered. The bank officer i talked to told me that yes in some circumstances the bank might make the funds available to you before the check is verified if you have a good and long time standing with them. All a person has to do though is inform their bank that you want the check verified before making the funds available..My account shows two amounts on my bank statement and my online account Current Balance and Available Balance. Current balance is the amount before the deposit of the check and Available balance is the amount after the deposit of the check. When the two balances are the same that means the check was deposited with no problem and the institution or account that the check was drawn did indeed have the funds and all is well and good.Believe me i am as leery of people than most.I would not just take for granted that just because i received a check that it must be good and that i would send whatever i sold immediately to the buyer. The check would have to clear first. That's just common sense. Once a bank says the check is good they can"t come back a month or two later and say oops we made a mistake and so we are removing the funds from your account