Cheque Crossing

In my opinion even crossed cheque can't be paid at counter, it has to be paid into the a/c. 

The difference between crossed cheque and a/c payee cheque is that a crossed cheque can be further endorsed whereas an a/c payee cheque will be paid in a/c of said person only.

A cheque is either “open” or “crossed”. An open cheque can be presented by the payee to the paying banker and is paid over the counter. A crossed cheque cannot be paid across the counter but must be collected through a banker.

A crossing is a direction to the paying banker to pay the money generally to a banker or to a particular banker, and not to pay otherwise. The object of crossing is to secure payment to a banker so that it could be traced to the person receiving the amount of the cheque. To restrain the negotiability, addition of words “Not negotiable” or “Account Payee Only” is necessary. A crossed bearer cheque can be negotiated by delivery and crossed order cheque by endorsement and delivery. Crossing affords security and protection to the holder of the cheque.

Modes of crossing: There are two types of crossing which may be used on cheque, namely (i) General, and (ii) Special. To these may be added another type i.e. Restrictive crossing.

Examples of crossing