【中文版】

支票是由存款人签发，委托办理支票存款业务的银行在见票时无条件支付确定的金额给收款人或持票人的票据。它是银行结算的一种方式，主要适用于同城和异地结算。

支票分为以下几种类型：

1. 现金支票：用于提取现金，可直接到银行提取现金。
2. 转账支票：用于转账，不能直接提取现金，须通过银行转账完成。
3. 普通支票：既可以用于提取现金，也可以用于转账。
4. 划线支票：只能在银行转账，不能提取现金。

支票的兑现分为以下步骤：

1. 持票人需要将支票和身份证一同交给收款银行；
2. 收款银行确认支票的真伪后，会将款项转入持票人的账户；
3. 持票人可以通过网上银行、手机银行等方式查询账户余额，确认款项是否到账。

总之，支票是一种方便快捷的支付方式，广泛应用于企业之间的交易和结算。

【英文版】

A check is a negotiable instrument issued by a depositor, which authorizes the bank to pay a specified sum of money to the payee or holder of the instrument on demand. It is a form of bank settlement mainly used for both local and remote settlements.

There are several types of checks, including:

1. Cash check: used for cash withdrawal, which can be directly cashed at the bank.
2. Transfer check: used for bank transfer, cannot be directly cashed, and must be transferred through the bank.
3. General check: can be used for both cash withdrawal and bank transfer.
4. Crossed check: can only be used for bank transfer and cannot be cashed.

The redemption of checks is carried out in the following steps:

1. The holder needs to hand in the check and ID card to the receiving bank together;
2. After confirming the authenticity of the check, the receiving bank will transfer the money to the holder's account;
3. The holder can inquire about the account balance through online banking, mobile banking, etc., to confirm whether the payment has been received.

In general, checks are a convenient and efficient payment method widely used in transactions and settlements between enterprises.