These are usages in American English, so they might not be universal. Cash reserve: This is an idiom that means "money that you have saved away." If you save half of the money you earn, you are building a cash reserve. Generally, banks will not let you open a bank account unless you have a cash reserve ready to deposit into the bank. You must have a few hundred dollars ready to deposit when opening a bank account. Check Card (also debit card): Check cards are like credit cards, but instead of having to pay the bill after the purchase is made (as with credit cards), the money is taken directly from your bank account. Checking Account: The bank account where the money for your checks and check card is taken from. The other common kind of bank account, the savings account, usually pays you better interest, but it is more difficult to withdraw your money. To use the money in your checking account, you can use a check card or check. Check (also spelled cheque): A check is a unique ticket that a person can take to a bank and recieve payment for the amount written on it. Most US banks provide you with a checking service for free with your account. Checks have been mostly replaced with check cards, but sometimes they are still used. ATM Card: The card that you use to access ATMs, machines that you can use to get money from your bank account. Usually if you have a check card, it is also an ATM card.

Hey Song. I suggest you go to the foreign bank where you have your account, or where you are thinking about opening an account and ask them for specific information on your doubts. They will be able to help you choose the correct services for your needs. The "definitions" of each of your words can differ greatly from country to country and even from bank to bank, so if it is your money, you should choose carefully and insist that the banker explains all you can and can not do with the services they offer, be it a type of money card or a type of checking account. Also, ask how much the services will cost you! peace, Mr Spears.