A check is a written order by an account holder to his bank to pay a certain sum of money to a payee. A check is not legal tender. Checks have been used in various forms for the past 200 years, and each day throughout the world there are approximately 12 million checks written. Checks come in 3 forms: bank, company and personal checks. A bank check is the most accepted as it carries the least risk because bank checks are written orders directing a bank to pay money. A personal check on the other hand carries the highest risk, as it will only be paid if the customer's account has sufficient funds to cover the specified amount of the check.
支票是账户所有人要求银行支付一定金额给收款人的书面命令。支票不是法定货币。在过去200年中，支票以各种方式得到运用。每天全球签发1200万张支票。支票来自3种机构：银行、公司和自然人。银行支票被最广泛接受，由于它是要求一家银行付款，所以风险最低。自然人支票风险最高，因为只有客户的账户里有足够资金时才能支付支票的金额。