. Crossing of Cheque Speciments of General Crossing Speciments of Special or Restric ve Crossing & CO. & CO. PAYEES ACCOUNT ONLY A/C PAYEE STATE BANK OF INDIA STATE BANK OF INDIA STATE BANK OF INDIA STATE BANK OF INDIA NOT NEGOTIABLE NOT NEGOTIABLE Crossing a cheque refers to the practice of drawing two parallel transverse lines across the faceof a cheque with or without the words ‘and Co’.
The effect of this crossing is that the drawee bank will pay the amount of a cheque only to the banker.