{"id":7329,"date":"2025-07-02T13:36:55","date_gmt":"2025-07-02T13:36:55","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=7329"},"modified":"2025-07-02T13:36:55","modified_gmt":"2025-07-02T13:36:55","slug":"what-is-a-cross-cheque","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/what-is-a-cross-cheque\/","title":{"rendered":"What Is a Cross Cheque?"},"content":{"rendered":"\n<p>A <strong>cross cheque<\/strong> directs the bank to deposit the money <strong>only into the account of the payee<\/strong> (the person named on the cheque). This makes it safer than a regular (open) cheque, which can be encashed over the counter by anyone who holds it.<\/p>\n\n\n\n<h2 id='features-of-a-cross-cheque'  id=\"boomdevs_1\" class=\"wp-block-heading\">Features of a Cross Cheque<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Two parallel lines<\/strong> are drawn on the top left corner of the cheque.<\/li>\n\n\n\n<li>Sometimes includes the words:\n<ul class=\"wp-block-list\">\n<li><strong>&#8220;A\/C Payee&#8221;<\/strong> \u2013 ensures funds go only to the payee\u2019s bank account.<\/li>\n\n\n\n<li><strong>&#8220;Not Negotiable&#8221;<\/strong> \u2013 restricts transferability.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Cannot be encashed<\/strong> directly at the bank counter.<\/li>\n\n\n\n<li>Must be <strong>deposited into a bank account<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 id='why-use-a-cross-cheque'  id=\"boomdevs_2\" class=\"wp-block-heading\">Why Use a Cross Cheque?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Safety<\/strong>: Prevents misuse if lost or stolen.<\/li>\n\n\n\n<li><strong>Traceability<\/strong>: Funds are deposited into a traceable account.<\/li>\n\n\n\n<li><strong>Used for large payments<\/strong>, salary payments, or official transactions.<\/li>\n<\/ul>\n\n\n\n<h2 id='how-to-cross-a-cheque'  id=\"boomdevs_3\" class=\"wp-block-heading\">How to Cross a Cheque<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Draw <strong>two parallel lines<\/strong> on the top left corner.<\/li>\n\n\n\n<li>Write <strong>\u201cA\/C Payee\u201d<\/strong> between the lines (optional but recommended).<\/li>\n\n\n\n<li>Fill out the cheque as usual\u2014amount, date, payee name, signature.<\/li>\n<\/ol>\n\n\n\n<h2 id='faqs'  id=\"boomdevs_4\" class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1751463315205\" class=\"rank-math-list-item\">\n<h3 id='can-a-cross-cheque-be-endorsed-to-someone-else'  id=\"boomdevs_5\" class=\"rank-math-question \">Can a cross cheque be endorsed to someone else?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A: No, if marked <strong>\u201cA\/C Payee\u201d<\/strong>, the cheque <strong>cannot be transferred<\/strong> to another person.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751463333062\" class=\"rank-math-list-item\">\n<h3 id='how-is-it-different-from-a-bearer-cheque'  id=\"boomdevs_6\" class=\"rank-math-question \">How is it different from a bearer cheque?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A. A <strong>bearer cheque<\/strong> can be cashed by anyone holding it. A <strong>cross cheque<\/strong> ensures funds go only to a specific account.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 id='key-takeaway'  id=\"boomdevs_7\" class=\"wp-block-heading\">Key Takeaway<\/h2>\n\n\n\n<p>A <strong>cross cheque is a safer way to pay someone<\/strong>, especially for larger or formal transactions. It ensures the payment goes <strong>only to the intended recipient\u2019s bank account<\/strong>, offering both security and accountability.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7329","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=7329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}