A personal check is a promise to pay the amount the checkbis written for. A personal check is not negotiable under any circumstances.

Under no circumstance.

There is no restriction concerning how materially rich one of Jehovah's Witnesses can be. This is a matter of personal decision and personal circumstances.

He has both. He will not give you his personal one unless there are special circumstances like you meet him & become his friend.

That depends on what you are looking for and on your personal circumstances. It is impossible to give a general answer.