In the episode 'The Bots and the Bees' Bender has a son called Ben and discovers he doesn't have the ability to bend because he doesn't have a bending card. To fix this he gets the Professor to switch his memory card for a bending card. Shouldn't Ben have lost his memory of being able to walk and talk?
The ability to walk or talk is hardcoded in the robot - we know this because Ben can walk and talk after the operation but also because he's shown as able to walk/talk without explicit instruction. The memory card only contains those memories that the robot has made themselves after their creation/birth.