RICHARD S. ARNOLD, Circuit Judge.
Imports, Etc., Ltd. brought this case against ABF Freight Systems, Inc., claiming that ABF violated the terms of the parties’ delivery contract by accepting a form of COD payment not specified in their agreement. The District Court1 found in favor of Imports, and ABF appeals that judgment. We affirm. We hold that a shipper and a carrier may lawfully contract for a specific form of COD payment.
On July 9,1996, Imports and ABF entered into an agreement, the Alternate Straight Bill of Lading, for ABF to deliver 511 cartons of women’s shoes to A & M Department Stores. The bill of lading included the specification that the delivery be “COD Cashiers Check,” and that ABF collect payment on behalf of Imports. The ABF driver also had to collect a COD fee and freight charges. The driver arrived at the delivery location listed on the bill of lading to find a company named Bag Bazaar, rather than A & M. Bag Bazaar representatives contacted A & M representatives. Approximately one hour later several men and two Ryder rental trucks arrived with certified checks (as opposed to cashier’s checks) for the COD and freight charges. Because the A & M representatives did not have a check for the COD fee additional telephone calls between A & M and ABF, and between A & M and Imports, followed. Eventually the ABF driver accepted the two certified checks and cash for the COD fee.
ABF endorsed and deposited the certified check for the freight charges. The check was later returned to ABF because the account upon which the check was drawn had been closed. Imports, however, neither endorsed nor deposited the certified check for the shoes. The certified check did not comply with the specific type of payment called for in the bill of lading. Additionally, Imports was suspicious of both the face of the certified check and the delivery circumstances. As it turned out, Imports’ fears were well founded. Evidently the bank certification stamped on the face of the cheek in question was a forgery.
Imports then filed this action against ABF, seeking damages in the amount of $53,180.90, the full value of the COD payment. The District Court awarded Imports $53,180.90, plus interest, and ABF appeals.
We agree with the District Court that ABF broke its contract with Imports by accepting a bank certified check rather than a cashier’s check for the COD payment.
It could be argued that virtually no difference exists between a cashier’s check and a bank certified check (assuming both instruments are genuine). Both should be equivalent to cash. See Center Video Industrial Co., Inc. v. Roadway Package System, Inc., 90 F.3d 185, 188 (7th Cir.1996). The use of [530]*530either should therefore guarantee payment to the payee.
Missouri’s Uniform Commercial Code2 defines a certified check as “a check accepted by the bank on which it is drawn.” Mo.Rev. Stat. § 400.3^409(d) (1998). Acceptance of a certified check is made either by the draw-ee’s signature or “by a writing on the check which indicates that the check is certified.” Mo.Rev.Stat. § 400.3-409(a), (d) (1998). Because the bank charges the drawer’s account for the certified check amount at the time of certification, the bank guarantees the availability of the funds for the payee. See Center Video, 90 F.3d at 189. A cashier’s check is defined as “a draft with respect to which the drawer and drawee are the same bank.” Mo.Rev.Stat. § 400.3-104(g) (1998). The customer provides payment to the bank for the cashier’s check at the time the bank issues the check. The bank therefore makes a guarantee to the payee for a cashier’s check as well. See Center Video, 90 F.3d at 188.
The primary difference between a bank certified check and a cashier’s check seems to lie in the ease with which one can create a fraudulent instrument. In order to forge a cashier’s check one would need to replicate all of the features of the bank’s form. To forge a bank certified check, on the other hand, one need only have a writing on the check indicating that the cheek is “certified.”
In any case, Imports had a right to believe that a cashier’s check is a better form of payment than a certified check. The agreement that ABF would accept only a cashier’s check reflects this belief. Imports relies on a case in which a carrier which accepted a corporate check rather than a cashier’s check as COD payment was held in breach of its contract with the shipper. See Computel, Inc. v. Emery Air Freight Corp., 919 F.2d 678, 682 (11th Cir.1990). Although a certified check differs from an uncertified corporate check, the decision highlights the importance of Imports’ interest in the form of payment it specified, and to which ABF agreed. Imports did not agree to accept the risk that a certified check might be fraudulent. Instead, it contracted for a more secure form of COD payment.
ABF invokes what is commonly called the “filed rate doctrine,” though it does not use those words. Under the Interstate Commerce Act, the filed rate doctrine requires that a carrier “not charge or receive a different compensation for the transportation or service than the rate specified in the tariff.” See 49 U.S.C. § 13702(a) (1998). As a common carrier, ABF is subject to the requirements of the Act. See 49 U.S.C. § 13501 (1998).3
A recent United States Supreme Court decision addressing the filed rate doctrine helps highlight the issue between ABF and Imports. See American Telephone and Telegraph Co. v. Central Office Telephone, Inc., — U.S. -, 118 S.Ct. 1956, 141 L.Ed.2d 222 (1998). The Court analyzed the filed rate doctrine under the Communications Act. See id. 118 S.Ct. at 1962. The Communications Act provisions are modeled after the Interstate Commerce Act, and both acts aim to prevent discriminatory charges. The same analysis applies in the present context.
The filed rate doctrine does not apply to rates alone, but to any terms or practices that might affect the rates as well. See id. at 1963. See also 49 U.S.C. § 13702(a) (1998). American Telephone and Telegraph reversed the Ninth Circuit’s judgment that the filed rate doctrine did not apply to the case because the terms in question dealt with special services for filling orders and billing rather than directly with rates. See American Telephone and Telegraph, 118 S.Ct. at 1964. Special services can, however, affect rates. “An unreasonable ‘discrimination in [531]*531charges’ ... can come in the form of a lower price for an equivalent service or in the form of an enhanced service for an equivalent price.” Id. 118 S.Ct. at 1963 (quoting Competitive Telecommunications Assn. v. FCC, 998 F.2d 1058, 1062 (D.C.Cir.1993)). For AT & T and COT, the parties in American Telephone and Telegraph, the proffered special services affected the rates because COT would get more for its dollar.
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RICHARD S. ARNOLD, Circuit Judge.
Imports, Etc., Ltd. brought this case against ABF Freight Systems, Inc., claiming that ABF violated the terms of the parties’ delivery contract by accepting a form of COD payment not specified in their agreement. The District Court1 found in favor of Imports, and ABF appeals that judgment. We affirm. We hold that a shipper and a carrier may lawfully contract for a specific form of COD payment.
On July 9,1996, Imports and ABF entered into an agreement, the Alternate Straight Bill of Lading, for ABF to deliver 511 cartons of women’s shoes to A & M Department Stores. The bill of lading included the specification that the delivery be “COD Cashiers Check,” and that ABF collect payment on behalf of Imports. The ABF driver also had to collect a COD fee and freight charges. The driver arrived at the delivery location listed on the bill of lading to find a company named Bag Bazaar, rather than A & M. Bag Bazaar representatives contacted A & M representatives. Approximately one hour later several men and two Ryder rental trucks arrived with certified checks (as opposed to cashier’s checks) for the COD and freight charges. Because the A & M representatives did not have a check for the COD fee additional telephone calls between A & M and ABF, and between A & M and Imports, followed. Eventually the ABF driver accepted the two certified checks and cash for the COD fee.
ABF endorsed and deposited the certified check for the freight charges. The check was later returned to ABF because the account upon which the check was drawn had been closed. Imports, however, neither endorsed nor deposited the certified check for the shoes. The certified check did not comply with the specific type of payment called for in the bill of lading. Additionally, Imports was suspicious of both the face of the certified check and the delivery circumstances. As it turned out, Imports’ fears were well founded. Evidently the bank certification stamped on the face of the cheek in question was a forgery.
Imports then filed this action against ABF, seeking damages in the amount of $53,180.90, the full value of the COD payment. The District Court awarded Imports $53,180.90, plus interest, and ABF appeals.
We agree with the District Court that ABF broke its contract with Imports by accepting a bank certified check rather than a cashier’s check for the COD payment.
It could be argued that virtually no difference exists between a cashier’s check and a bank certified check (assuming both instruments are genuine). Both should be equivalent to cash. See Center Video Industrial Co., Inc. v. Roadway Package System, Inc., 90 F.3d 185, 188 (7th Cir.1996). The use of [530]*530either should therefore guarantee payment to the payee.
Missouri’s Uniform Commercial Code2 defines a certified check as “a check accepted by the bank on which it is drawn.” Mo.Rev. Stat. § 400.3^409(d) (1998). Acceptance of a certified check is made either by the draw-ee’s signature or “by a writing on the check which indicates that the check is certified.” Mo.Rev.Stat. § 400.3-409(a), (d) (1998). Because the bank charges the drawer’s account for the certified check amount at the time of certification, the bank guarantees the availability of the funds for the payee. See Center Video, 90 F.3d at 189. A cashier’s check is defined as “a draft with respect to which the drawer and drawee are the same bank.” Mo.Rev.Stat. § 400.3-104(g) (1998). The customer provides payment to the bank for the cashier’s check at the time the bank issues the check. The bank therefore makes a guarantee to the payee for a cashier’s check as well. See Center Video, 90 F.3d at 188.
The primary difference between a bank certified check and a cashier’s check seems to lie in the ease with which one can create a fraudulent instrument. In order to forge a cashier’s check one would need to replicate all of the features of the bank’s form. To forge a bank certified check, on the other hand, one need only have a writing on the check indicating that the cheek is “certified.”
In any case, Imports had a right to believe that a cashier’s check is a better form of payment than a certified check. The agreement that ABF would accept only a cashier’s check reflects this belief. Imports relies on a case in which a carrier which accepted a corporate check rather than a cashier’s check as COD payment was held in breach of its contract with the shipper. See Computel, Inc. v. Emery Air Freight Corp., 919 F.2d 678, 682 (11th Cir.1990). Although a certified check differs from an uncertified corporate check, the decision highlights the importance of Imports’ interest in the form of payment it specified, and to which ABF agreed. Imports did not agree to accept the risk that a certified check might be fraudulent. Instead, it contracted for a more secure form of COD payment.
ABF invokes what is commonly called the “filed rate doctrine,” though it does not use those words. Under the Interstate Commerce Act, the filed rate doctrine requires that a carrier “not charge or receive a different compensation for the transportation or service than the rate specified in the tariff.” See 49 U.S.C. § 13702(a) (1998). As a common carrier, ABF is subject to the requirements of the Act. See 49 U.S.C. § 13501 (1998).3
A recent United States Supreme Court decision addressing the filed rate doctrine helps highlight the issue between ABF and Imports. See American Telephone and Telegraph Co. v. Central Office Telephone, Inc., — U.S. -, 118 S.Ct. 1956, 141 L.Ed.2d 222 (1998). The Court analyzed the filed rate doctrine under the Communications Act. See id. 118 S.Ct. at 1962. The Communications Act provisions are modeled after the Interstate Commerce Act, and both acts aim to prevent discriminatory charges. The same analysis applies in the present context.
The filed rate doctrine does not apply to rates alone, but to any terms or practices that might affect the rates as well. See id. at 1963. See also 49 U.S.C. § 13702(a) (1998). American Telephone and Telegraph reversed the Ninth Circuit’s judgment that the filed rate doctrine did not apply to the case because the terms in question dealt with special services for filling orders and billing rather than directly with rates. See American Telephone and Telegraph, 118 S.Ct. at 1964. Special services can, however, affect rates. “An unreasonable ‘discrimination in [531]*531charges’ ... can come in the form of a lower price for an equivalent service or in the form of an enhanced service for an equivalent price.” Id. 118 S.Ct. at 1963 (quoting Competitive Telecommunications Assn. v. FCC, 998 F.2d 1058, 1062 (D.C.Cir.1993)). For AT & T and COT, the parties in American Telephone and Telegraph, the proffered special services affected the rates because COT would get more for its dollar. Paying the filed rates and receiving additional services at no extra cost “is certainly a privilege within the meaning of ... the filed-rate doctrine.” Id. 118 S.Ct. at 1964.
The key, however, is not only whether agreed-upon terms outside of the tariff provide one party with a benefit, but also whether the other party incurs an additional cost. The filed rate doctrine bars any “special agreement which affects the value of the service to the shipper and [the] cost to the carrier.” Id. at 1966 (Rehnquist, C.J., concurring) (quoting Chicago & Alton R.C. v. Kirby, 225 U.S. 155, 165, 32 S.Ct. 648, 56 L.Ed. 1033 (1912)). We do not see how the agreement in the bill of lading that ABF would accept only a cashier’s cheek as COD payment increased ABF’s costs. The filed-rate doctrine, therefore, does not bar this action.
ABF claims that the District Court erred by considering only the bill of lading, and not the terms and conditions of ABF’s tariff as well. The bill of lading incorporated the tariff by reference. ABF’s tariff lists the forms of COD payment accepted by ABF as (1) cash up to a maximum of $500.00; (2) bank cashier’s check; (3) bank certified check; (4) money order; or (5) personal check of the consignee when so authorized by the consignor. The bill of lading, on the other hand, directed ABF to accept only a cashier’s check as COD payment.
The District Court did not ignore ABF’s tariff. The Court pointed out that although ABF’s tariff allows for COD by certified check, the bill of lading specifically stated that only a cashier’s check was acceptable payment for this particular delivery. We do not see a necessary conflict between ABF’s tariff and the bill of lading. The tariff does not expressly state that the parties to the contract may elect one of the enumerated forms of payment. Nor, however, does it indicate that if the parties do so, such a choice is barred.
ABF also claims that if a conflict arises between a bill of lading and a tariff, the tariff prevails. In some cases a tariff will prevail over a conflicting term or condition in a bill of lading. See M.E. Denby v. Seaboard World Airlines Inc., 737 F.2d 172, 186 (2d Cir.1984). Most of those eases, however, address conflicts related to the rates a carrier lists in its tariff. When the conflicting agreement provides the shipper or other party to the agreement with preferential rates, whether directly or indirectly, the tariff will prevail. If, however, the agreement does not relate to the rates, the tariff need not necessarily prevail. Special arrangements for a specific delivery time, for example, indirectly affect the rate. A shipper who contracts to have goods delivered in less time than that specified in the tariff saves money by having the goods delivered in less time. Therefore, when a contract specifying a certain delivery time conflicts with the terms of a tariff, the tariff terms prevail. Comark, Inc. v. United Parcel Service, Inc., 701 F.Supp. 641, 643 (N.D.Ill.1988). When contract terms do not affect rates, or simply complete or supplement tariff terms, a different rule applies. Accordingly, a contract provision requiring the purchaser of airline tickets to pay for the tickets even when the tickets remain unused does not conflict with the airline’s filed tariff. The no-show provision does not affect the rate or terms of the tariff. It simply indicates that payment was due regardless of use. Northwest Airlines, Inc. v. United States, 195 Ct.Cl. 356, 444 F.2d 1097, 1100-01 (Ct.Cl.1971). Contract terms regarding acceptable types of COD payment similarly do not affect filed rates.
Requiring uniformity in the rates charged by a carrier, and barring special agreements relating to those rates, helps prevent discrimination. An agreement between a shipper and a carrier regarding the type of acceptable COD payment, on the other hand, does not purport to vary the rates set in the tariff. It does not result in preferential rate treatment. It does not increase the carrier’s [532]*532costs. Contracting for a carrier to accept only a certain type of COD payment, one listed as an acceptable form of payment in the carrier’s tariff, is not an unlawful agreement between shipper and carrier.
For these reasons, we affirm the District Court’s judgment in favor of Imports.