What type of check is payable by or at another bank?

A transit check is specifically designed to facilitate transactions between banks. It is a check that is drawn on one bank but payable at another bank, often used in the clearing process of checks between institutions. This type of check typically includes the necessary routing information that identifies both the bank from which the check is drawn and the bank that will cash or deposit it.

In contrast, personal checks are issued by an individual and are traditionally payable at the bank where the account is held. Certified checks are checks guaranteed by the issuing bank, ensuring that the funds are available, but they are still linked to a specific account at that bank. Commercial checks are business-related and may also be drawn on a specific account rather than being payable at multiple banks. Given this context, a transit check stands out as the option that explicitly refers to checks that can be processed at another bank beyond the bank where they were issued.