думаю что все так просто. Чек от имени юридического лица, а не частного. Обналичивается так же, хотя может зависеть от банка в котором счет.

"В отличие от банковского Чека, который можно обменять в любом банке на деньги, корпоративный Чек можно обменять на любой товар, перерегистрировав владельца Чека (Сертификата) в Регистрационном Пункте. Чеки (Сертификаты) участников монетарного обмена обмениваются на деньги инвестором"
(http://www.usfund.org/ru/html/cheque.html)

"Customer cheque , (also called CORPORATE CHEQUE) drawn on the bank account of the customer , debited on his account when the cheque is cashed . The cheque can be written or printed by the customer, a service provider (ASP), or the ordered bank providing the printing service as ASP.
Certified customer cheque, drawn on the bank account of the customer , debited on the customer's account when the cheque is cashed . The bank prints and certifies the cheque, guaranteeing payment.
Bill of Exchange, issued by the customer, drawn on the bank account of the customer , with a future value date (do not pay before…) and an expiry date (do not pay after). Debited when the cheque is cashed.
BANK CHEQUE, (also called cashier's cheque) drawn on the bank's account . These cheques will be printed by the ordered bank. The bank guarantees payment. The following sub-types are recognised for Bank cheques:
Guaranteed bank cheque, debited on the customer's account when the cheque is issued.
Clean Draft, a guaranteed bank cheque with a future value date (do not pay before…), which in commercial terms is a “negotiable instrument”: the beneficiary can receive early payment from any bank under subtraction of a discount. The ordering customer's account is debited on value date.
Letter of Credit, a guaranteed bank cheque with a future value date (do not pay before…), with an additional condition for payment: the bank must have received proof (documents) of correct delivery of the goods. Debited when the cheque is cashed. Note: other L/C models may exist with different roles for the banks involved.
Beneficiary Bank cheque, printed by the beneficiary's bank in order to execute an electronic funds transfer order, where the bank account of the beneficiary is unknown. The cheque will be drawn on the bank account of the beneficiary's bank . The account of the ordering party will be debited at issuance of the payment order."
(http://www.twiststandards.org/tiki-print.php?page=Cheque Pro...

corporate cheque - это безусловное распоряжение компании банку о снятии с ее счета фондов в пределах имеющихся или оговоренных с банком, в том числе в виде наличных чекодателю (именной или на предъявителя).
bank cheque - используется при расчете между банками

оопс!