Banks and Their Customers / A practical guide for all who keep banking accounts from the customers' point of view

by Henry Warren

Cheques Crossed Specially.

A cheque is said to be crossed specially when one writes across the face of it, say:—

“A/C John Smith,
Provident Bank of London.”

One may name, in the crossing, any particular bank, and the banker upon whom the cheque is drawn will take care that it comes through the channel indicated thereupon. In the above illustration, for instance, your banker will see that the cheque has the name of the “Provident Bank of London” stamped upon it; and should he not find it there, then he would decline to pay the document.

Either the payee or the holder of an uncrossed cheque may cross it generally or specially; and if it be already crossed generally, then either can cross it specially, or add the words “not negotiable.”