1. An uncrossed cheque may be crossed generally or specially by the drawer or the holder.
  2. A cheque crossed generally, may be crossed specially by the holder.
  3. The holder may add the words “not negotiable”.
  4. The banker to whom the cheque is crossed specially, may re-cross it, but only to another bank as his agent for collection.
  5. Where an uncrossed cheque or a cheque crossed generally is sent to a banker for collection, he may cross it specially to himself. But he cannot enjoy Statutory protection against being sued for conversion.


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