difference between check and draft

bank draft和bill of exchange 是一樣的東西

不像支票，匯票由發票銀行保證支付。

Unlike a check, though, a bank draft is guaranteed by the issuing bank. The total amount of the draft is drawn from the requesting payer's account—their bank account balance decreases by the money withdrawn from the account—and is usually held in a general ledger account until the draft is cashed by the payee.

https://www.investopedia.com/terms/b/bank_draft.asp

匯票就像請銀行開一張支票給你。你給他們你的錢然後他們給你一張那個金額的支票以付錢給你要支付的人。因此，匯票不會由於缺乏資金而跳票。

A banker's draft, also known as a banker's cheque, is like asking a bank to write a cheque for you. You give them your money and they give you a cheque for that amount to give to the person you're paying. For this reason, they do not bounce because of a lack of funds.

https://www.moneyadviceservice.org.uk/en/articles/using-cheques-or-bankers-drafts