2) 收取外地銀行支票只是開票人可省匯票及電匯的手續費，而妳收到票後同樣要交本地銀行代收及要支付手續費，有些銀行會先兌現給妳(視乎妳所持戶口種類)，但大多數銀行會在外地銀行確認支票放款後才會兌現給妳，美金支票壹般需時約壹個月。
3) Bank Draft與支票就是以上分別。
以我們與美國客人交易的經驗，收外地貨款最理想是:1)信用狀即L/C，2)銀行托收即D/P或D/A，或3)電匯即T/T。我提議以妳的情況做T/T比較好，匯款可直接入戶口，不用費時去銀行入票。
以上是個人經驗，希望幫到妳。,參考: 自己,1) bank draft is a cheque which is issued by the bank. This kind of payment is secured since the cheque is issued by the bank unless the cheque is fed.
2) you need to check with your bank if there are any additional handling charge. But this kind of payment usually takes a longer time to mark good, sometimes it takes almost 3-4 week.
3) refers to 1),