Bank check, a loose concept. On Web sites, commonly referred to or a personal check or money order - T e check has already secured the cancellation of the customer's account in cash. Personal check can be cashed, even if the account of the issuing person zero-it all depends on the bank and the specific conditions. If you cashed the check, then issued the money back you can pick up only in the courts.
But personal check may not be cashed, it depends, as stated, on the terms of reference of the customer's account. Solve it all within a few minutes.
Money order is always guaranteed money.
In developed countries there is still such a service as vozrat money bank at the request of the client. Relatively speaking, you have paid Visa card sofa, and then changed their minds, or the sofa you have brought no-one in three days, you can withdraw your money. And then the problem of the person who sold you the ugly sofa.
In Russia everything is wrong and personal bank checks unless cashes in general?
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