I read these two things while trying to understand cashier's checks, and they seem to conflict:
Cashier’s checks are checks issued by banks, and they're used when somebody wants to be sure that they'll really get paid. Personal checks (and business checks) are less secure forms of payment – if you're the person getting paid – because you can never be sure if a check will bounce.
If you're paying with a cashier's check, funds move out of your account immediately when you request the check. The money goes into the bank's account, and whoever you're paying will feel more confident; they know the bank has already taken the money and set it aside for them.
However, cashier’s checks lately have become an attractive vehicle for fraud when used for payments to consumers. Although, the amount of a cashier’s check quickly becomes "available" for withdrawal by the consumer after the consumer deposits the check, these funds do not belong to the consumer if the check proves to be fraudulent. It may take weeks to discover that a cashier’s check is fraudulent. In the meantime, the consumer may have irrevocably wired the funds to a scam artist or otherwise used the funds—only to find out later, when the fraud is detected—that the consumer owes the bank the full amount of the cashier’s check that had been deposited.
I also read this question here and like many other sources it says cashier's checks are the most secure form of check. This seems at odds with its popularity of use as a vehicle for scams.
How can cashier's checks be dependent upon the bank immediately taking the funds from your account and yet be so easy to scam with by not actually having funds to back up the check?