Crossing of cheques ?

Crossing of cheque 

What is cheque?

A cheque, is a written instruction to a bank to transfer a certain sum of money from the account of the person who wrote the cheque to the individual or business indicated on the cheque. It is a typical method of payment used for tasks like paying bills, purchasing products or services, or moving money between accounts. A person must sign a cheque and include information such the payee's name, the amount to be paid, the date, and any applicable account numbers. The cheque can then be cashed or deposited at the recipient's bank. Cheques are frequently utilised as a safer and more practical substitute for carrying cash or performing electronic transactions.

Now, crossing of cheque 

The act of marking or drawing two parallel lines on the face of a check is known as crossing. This is done to indicate that the check cannot be cashed over the counter and must be paid into a bank account.

When a cheque is crossed, it becomes a "crossed cheque" and can only be deposited into the bank account of the payee. This provides security to both the issuer and the payee, as it helps prevent fraudulent activities like forgery or theft of the cheque.

Crossing of a cheque is usually done by the issuer of the cheque and can be made in two ways: 

General crossing and Special crossing. 

A general crossing involves the drawing of two parallel lines without any additional instructions, while a special crossing involves the addition of the name of a particular bank between the two parallel lines.