When issuing both a Certified Cheque and a Bank Draft, the bank will take the money out of the account it is issued out of immediately. They both have that characteristic.
There's also a misconception that when you go to deposit either into your account that there should be no hold on the account due to the 'guarenteed funds'. Any bank should be doing their due diligence for their sake, and for yours. As I mentioned before, it is still just a piece of paper, and would need to be verrified.
Being that it is paper, it can be copied, or forged pretty darn easy to pass the regular Joe's eye test.
If its coming from someone I do not know, I would not trust it. Unless you want to donate the item, and pay the fees for depositing a fraudulent item into your account.
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