What do you mean by crossing of cheque

Crossing a cheque refers to drawing two parallel transverse lines across its face, typically at the top left corner. This instruction tells the bank that the cheque cannot be encashed directly over the counter. Instead, the funds must be deposited into a bank account. This practice enhances security by ensuring the transaction is traceable and the money reaches the intended recipient. Common types of crossing include:

• General Crossing: Includes only parallel lines, allowing any bank to collect the payment.
• Special Crossing: Mentions a specific bank name, restricting payment to that bank only.
• Account Payee Crossing: Directs the bank to credit only the named payee’s account.