Meaning of Crossing the Cheque:
A crossed cheque is a cheque that has been marked to specify an instruction about the way it is to be paid. A common instruction is to specify that it must be deposited directly into an account with a bank and not encashed by a bank over the counter. But generally two parallel lines and/or the words 'Account Payee' or similar may be placed either vertically across the cheque or in the top left hand corner. By using crossed cheques, cheque writers can effectively protect the cheques they write from being stolen and cashed.
A cheque that is not crossed is an open Cheque. A cheque may be crossed by its drawer or payee or the collecting banks.
