Question

Discuss the two different types of crossing.

Answer 1

General Crossing:
According to section 123 of the Negotiable Instruments Act, 1881,
“Where a cheque bears across its face an addition of the words “and company” or any abbreviation thereof between two transverse parallel lines simply, either with or without the words “not negotiable” that addition shall be deemed a crossing and the cheque shall be deemed to be crossed generally”.

Special Crossing:
According to section 124 of the Negotiable Instruments Act, 1881
“Where a cheque bears across its face an addition of the name of a banker with or without the word “not negotiable” that addition shall deem a crossing and the cheque shall be deemed to be crossed especially”.