Who may cross a Cheque?
A cheque can be crossed by three parties:
1. The Banker: Only an uncrossed cheque can be crossed by a bank, or a general crossed cheque can be converted into a special crossing for collection to direct another banker or any banking agent.
2. The Drawer: The drawer can cross the cheque by either General crossing or special Crossing.
3. The Holder: The holder can cross the cheque by general or special also he can add the word “Not Negotiable” and also make an uncrossed cheque crossed.