<P> Because of the liquidity and certainty of payment of a certified cheque, it is sometimes considered equivalent to cash, such as in the regulation of credit for casino gaming in Macau, where the law explicitly states that if a casino patron obtains casino chips and pays with a certified cheque, the transaction is not regarded as credit for gaming (see Law 5 / 2004, art . 2). </P> <P> It is possible to counterfeit or forge a certified cheque, in which case it is not binding on the bank and is worthless . See entry on cashier's check for an exploration of associated risks . </P>

Who is a certified check made out to