Cross Cheque

[jagarner]

I need to cross a cheque a/c payee and don't really know how to.

Please advise.

[Miss-taken]

Its more than likely that it will already be crossed - most cheques books nowadays have a/c payee already printed on them - its simply the 2 vertical lines that run down the middle of the three horizontal that you write the payee and cheque amount. The second line will have a/c payee already printed down it. This means that the cheque can only be paid into the account of the person actually written on the cheque (as you would expect!)

Hope this helps

[jagarner]

does this mean i have to do nothing to the cheque if the a/c payee is already printed on?

[ugly_bob]

yes. If you have a cheque printed as Miss-taken says, just fill in name and amount as normal.

I've never seen a cheque that doesn't have this written on it.

[jagarner]

Thank you.

[chazza]

My cheques dont have a/c payee printed on them. I have to put 2 diagonal lines on the cheque and write a/c payee between the lines

[spudqueen]

chazza - what bank do you bank with? These are open cheques - which means that the person you make a cheque payable to can take it into the branch of the bank you bank with and exchange it for cash. These cheques used to be quite common in the 1970's. I was paid this way for a while, we just took the cheque into the branch and got cash. I though that all banks had agreed to stop issuing them and all cheques are now crossed AND have a/c payee only on them, which means they can only be paid into an account in the payees name. If a cheque doesn't have account payee only on them they can be endorsed by the payees signature on the back and paid into someone elses bank account. As you can imagine there ended up being quite a bit of fraud hence the change.

[chazza]

I bank with a branch of Yorkshire Bank

[chazza]

I also worked for a bank 5 years ago and customers were still able to come in and cash cheques which were uncrossed