When I picked up my roller we did an Electronic Funds Transfer, where my bank electronically debited the money from my account and seamlessly deposited it in the seller's account at his Arkansas bank via the bank routing numbers. All done in the blink of an eye, no questions asked, and no delays. The guy gets the title & keys when your banker tells you the funds have hit your account, and the transaction is secure.

Here in KC we had a team going around buying cars from individuals about twenty years back using counterfeit cashier's checks. They would go to the guy, seal the deal, tell him they were going to get a cashier's check and come back in an hour to pay him and get the car & title. Problem is they had the embossing machine in the trunk of their car, and the checks were worthless.