Crossed Cheque?

When two parallel lines are drawn across the face of a cheque, it is called crossed cheque. A crossed cheque can not be paid at the counter. It can be paid only through an account.

Kinds of Crossing:

01. General Crossing,

02. Special Crossing.

01. General Crossing:

When a cheque bears two parallel lines across its face, it is called a general crossing. A cheque bearing a general crossing can be paid only through an account. General crossing is usually put either at the top left corner or in the middle of the cheque.

02. Special Crossing:

When the name of the particular bank is written across the face of a cheque, it is called a special crossing. As per Section -124 of N.I Act, a cheque shall be deemed to be crossed specially and to a particular banker "Where a cheque bears across its face an addition of the name of a banker, either with or without the words 'not negotiable'".

When a cheque bears a special crossing, it can be paid only to that bank which is mentioned in the crossing. In case of special crossing, drawing of two parallel lines is not necessary. Simply writing of the bank is sufficient.