What is a Crossed Cheque? Meaning, Types & Example

A crossed cheque has two parallel lines drawn across the top-left corner. It cannot be encashed over the counter — it must be deposited into a bank account, which makes it much safer.

Types of crossing

• General crossing — two parallel lines, with or without the words "& Co." The cheque must be paid into an account.
• Special crossing — a specific bank's name is written between the lines; only that bank can collect it.
• Account payee (A/C Payee) — the words "A/C Payee" are added; the amount can only be credited to the named payee's account.

Example

You draw two lines on the top-left and write "A/C Payee". Now the cheque can only be deposited into the payee's bank account — not cashed by anyone else.

Why crossing matters

Crossing protects you if the cheque is lost or stolen, because it leaves a clear bank record of who received the money. It's the safest way to issue business payments. Compare it with an open cheque.

See all types of cheques or print crossed cheques with Cheque Print.