What is crossing of cheque

Crossing a cheque is a banking practice that involves drawing two parallel transverse lines across the face of a cheque. This acts as an instruction to the paying banker to not pay the amount in cash directly at the counter. Instead, the funds must be deposited into the payee’s bank account. This mechanism enhances security by ensuring that payments are traceable and preventing unauthorized persons from cashing the cheque. Common types include:

• General Crossing: Two parallel lines, allowing deposit into any bank account.
• Special Crossing: Mentions a specific bank, restricting the deposit to that institution.
• Account Payee Crossing: Directs the bank to credit only the named recipient's account.