Skip to main content Skip to search



A crossed cheque is basically any cheque which is crossed with two parallel lines. The lines can be drawn either across the whole cheque or through the top left-hand corner. It simply means that the specific cheque can only be deposited straightway into a bank account and cannot be instantly cashed by a bank or any credit institution. This ensures a level of security to the payer since it requires the funds to be handled through a collecting bank.

 Different ways to cross a cheque

Cross cheque focuses on the instruction given by the drawer (maker) of the particular cheque to the drawee bank. This instruction demands to pay the cheque at the counter of the bank, but with a strict direction to pay it to a person who offers it through a banker. Crossing makes it possible to trace the person to whom the amount/payment has been made. In India, there are various crossing tools to safeguard cheque payments such as:

General Crossing

This type of cheque crossing requires two parallel transverse lines. There isn’t any restriction to put these parallel lines on a specific area on the cheque, but they can be drawn anywhere. Usually, it is advisable to put it on top left corner of the cheque. The usefulness or significance of this crossing is that the cheque should essentially be paid only to the banker.

Special Crossing

Special Crossing cheque does require the name of the banker. The effect of this type of crossing is that the cheque should be funded only to the banker to whom it is crossed. It is a reminder to all the people that a special crossing cannot be changed into the general crossing.

Account Payee Crossing

Account payee crossing is also called as restrictive crossing. This type of cheque needs to comprise the words ‘account payee’ or ‘account payee only’. Further, the cheque must be crossed either generally or specially. The significance of this type of crossing highlights that the cheque isn’t negotiable anymore.

Not Negotiable Crossing

In this type of cheque crossing variety, the paper document needs to contain the words ‘not negotiable’. Moreover, the cheque can be crossed specially or generally.

Uncrossing a Cheque

  • If you are now familiar with the cross cheque meaning, then clearly there is no way the payee can uncross the cheque. Furthermore, the cheque is considered non-transferable, which means it cannot be transported to a third party. However, the only action which is allowed is for the payee to deposit the cheque in an account which he/she holds with their own name.
  • Therefore, the payer can uncross the cheque by lettering “Crossing Canceled” across the front side of the cheque. However, such an action isn’t recommended since it eliminates the protection the payer initially had in place.

Team Legal has expert lawyers for Crossed Cheque matters. Our dedicated lawyers handle Crossed cheque matters in Noida, Delhi & Gurgaon. For any queries and cases related with Crossed cheque matters kindly call Team Legal on 0120-413 0865.

Address proof affidavits

Appointment letter in company drafting

Articles of association in company drafting

Bank affidavit

Bounced cheque legal action

Business collaboration agreement

Cheque bounce case

Cheque bounce law

Cheque bounce lawyers in noida

Commercial agreememt or contract as per company need

Commercial agreement/contracts

Company drafting

Consumer grievances

Corporate lawyers in greater noida

Crossed cheque

Data privacy in company drafting

Date of birth affidavit

Divorce notice

Ecommerce website drafting

Employment contracts in company drafting

Faulty product notice

Gas connection affidavit

General agreement

Gift drafting

Income proof affidavit

Joint venture agreement

Joint venture agreement in company drafting

Labor law compliances

Legal notice for defective goods

Legal notice for management dispute

Legal notice for recovery

Legal notice for salary

Legal notice in consumer matters

Legal notice to builder

Legal notice to cheque bounce

Legal notice to distributor

Legal notice to employee

Legal notice to employer

Legal notice to for labour dispute

Legal notice to franchisee

Legal notice to retailer

Legal notice to supplier

Legal notice to vendor

Legal notice to wholesaler

Licencing agreement

Marketing agreement

Marriage certificate in noida

Memorandum of association in company drafting

Memorandum of understanding

Name change affidavit

Negotiable instrument act

Offer letter in company drafting

Partnership agreement

Passport affidavits

Probono services

Property law in india, up, noida

Real estate regulatory act 2016

Real estate/property drafting

Refund of security notice

Registration of society

Rent agreement in noida

Rera registration

Sale/purchase vehicle affidavit

What is a legal notice?

Vendor agreements

Trust drafting

Terms depending upon the nature of policy

Termination letter drafting

Tenant eviction notice

Ttudent affidavits

Shareholders agreement in company drafting

Call Now