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Hart CO
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Since bank drafts are proven to be an insecure and unreliable payment method…"

The vast majority of bank drafts are not fraudulent, they are fairly secure, but it's true they are not perfect.

The linked article mentions a teller confirming authenticity at the seller's bank, not sure what that means, but they could not have determined if it would clear. They should have instructed their customer that only the issuing bank could validate the bank draft.

Alternatives include cash, and there are also escrow services or attorneys that can be the middlemen in transactions.

The scenario you describe is just a cash transaction happening at a bank, that works, but the withdrawal/depositing part would likely require that both parties were customers at that bank. Meeting at buyer's bank and getting a bank draft verified on the spot is low risk.

When dealing with high value transactions verifying identity is also a reasonable precaution, not guaranteed to prevent fraud, but helpful.

Hart CO
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