英语翻译As an alternative to writing checks and using a credit c

英语翻译
As an alternative to writing checks and using a credit card,most major banks have worked with major credit-card companies to issue check cards.
Check cards are different from straight ATM cards in a couple of ways.First,check cards are also known as debit cards because of how they work.Instead of getting credit for your purchase and receiving a monthly bill,like you do with a credit card,a check/debit card takes money from your checking or savings account.
Also,while you can only use your ATM card at the ATM machine (and some grocery stores),you can use a check card at any retailer (零售商) that accepts credit cards,such as:
*Grocery stores *Gas stations * Superstores *Bookstores * Restaurants
*Ticket counters (concert tickets,airline tickets,etc) *Pharmacies (药房) * Hotels
You can use your check card as either a credit card or a debit card—either way,it comes out of your account.The only difference is that if you tell the clerk “credit card”,you sign a slip,and if you tell the clerk “debit card”,you enter you PIN number (Personal Identification Number) instead of signing.
It’s easy to tell the differences between a plain ATM card and a check card:A check card has your name,“credit” account number,the credit company’s logo(标志),the bank’s logo and “Check Card” printed across the front of it; an ATM card has only your name,account number and bank’s logo on the front of it.Both cards have space on the back for the cardholder to sign on.A check card company,such as Visa,has agreements with banks to issue what looks like a Visa credit card.A Visa check card can be used at any retailer that accepts Visa credit cards and at ATMs worldwide.

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作为签写支票和使用信用卡的替代方式,多数大型银行机构已经与大型的信用卡公司一起协作,发行一种支票卡.
支票卡在许多方面不用于直接在ATM机上使用的信用卡.首先,支票卡因其运作流程也被称之贷记卡.当你购物和接受月度账单时,不用拿出本卡.像使用其他信用卡一样,支票卡或贷记卡从你的支票户头或者储蓄户头中取出钞票.
另外,当你在只能在ATM机上使用你的ATM卡时,（一些杂货商店）,你能在能接受信用卡支付的任何零售商店使用你的支票卡,比如在杂货商店,加油站,超市,书店,饭店,票务柜台（音乐会门票、机票等等）,药店,酒店.你可以把你的支票卡作为信用卡或者贷记卡——任一方式使用.金额都来自你的账户.唯一的不同就是,假如你告诉收银员是“信用卡”,你就签名,假如你告诉收银员是贷记卡,你输入你的密码,就不要签名了.
很容易的辨别空白的ATM卡和支票卡之差别：支票卡之正面卡有你的签名、信用账户号、发卡公司的标志、银行的商号及印有支票卡字样.而ATM卡之正面只有你的名字、帐号和银行商号.两种卡的背面都有持卡人签名处.支票卡公司,例如visa都与银行签约,发行看起来像VISA卡的支票卡.VISA卡能在全世界任何接受VISA及ATM机支付的零售商那里使用.