today's calls not showing on my credit history

[GorgeousSexy22]

Hey, I'm new here and new to AW. I would like to cash out the credits I've earned using the cheque method. I'd like to know the part where it's asked "This must be the name in which the bank account you wish to pay into is held, the payee". Basically, I wanna know if the cheque can be cashed at any and all banks? Like, does the person cashing the cheque has to have and account with the bank they choose to cash it in??