The question is about account of bank. I live in Beijing, China, I didn't understand some foreign account of bank. fristly, what does mean about cash reserve?. I think it likes credit card. but it has to pay interest, If it true, Why people don't use credit card? Second, What is a check card? I can use it on the ATM and can overdraw. Third, What is a checking account? I can deposit and withdraw cash on checking account. or only get checks? Can the company pay your salary on this account? Fouth, What is a checks? I think it is a check and have to pay extra fee to bank for check. In china, the individual can't use check. it is only for company. Fifth, What is ATM card? Is it same with check card. Please tell me what are they different?