More than one Crossing:

When a bank accepts cheque from it's a/c holders, it gives them receipt for these cheques. If the cheques are lost or their amount is misappropriated bank will be responsible to it's a/c holders. To overcome this risk bank puts a special crossing of its own on all the cheques received for collection from its account holders, so that all cheques become payable only to itself.

One cheque may bear two crossing i.e. one general crossing and one special crossing. But when a cheque bears more than one special crossing i.e. when it is crossed specially to more than one bank, its payment should be refused unless one bank is collecting the payment for the other as its agent. To enable the paying bank to know that one bank is collecting the payment for the other, the sending bank should put on the back of the cheque its direction to pay cheque to the other bank. In this case the words "as agent for collection" must be included in the special crossing, subsequent endorsement or discharge.