Cheque crossings

Crossed cheques

• A cheque may have a general or special crossing on its face.

General crossing

• The cheque has two parallel lines across its face.
• It cannot be cashed over the counter.
• The crossing cancels the order to pay on demand.
• It must be deposited into a bank account.
• It is safe to use because it can be traced if lost.
• The payee must have a bank account.

Special crossing

• The cheque has two parallel lines across its face.
• It has the name of the payee’s bank and branch written in between the lines.
• It has the words “ Not transferable” written across its face.
• This makes the cheque more secure against theft.
• The cheque must be deposited into a bank account at the stated bank branch.
• It cannot be cashed over the counter.
• One does not need to use registered post when sending it.
• It is easy to trace if it is lost or stolen.

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