Crossing does not affect the 'transferability' of a cheque. Cheque bearing a general crossing or a special crossing can be transferred from one person to another. A bearer cheque either crossed generally or specially can be transferred merely by delivering the cheque. On the other hand, an order cheque whether generally or specially crossed can be transferred by endorsement and delivery.
Bearer Instruments : Transferred by its mere delivery.
Order Instruments : Transferred by endorsement and delivery.
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