<Tr> <Td> </Td> <Td> This article may require cleanup to meet Wikipedia's quality standards . No cleanup reason has been specified . Please help improve this article if you can . (February 2011) (Learn how and when to remove this template message) </Td> </Tr> <P> A crossed cheque is a cheque that has been marked specifying an instruction on the way it is to be redeemed . A common instruction is for the cheque to be deposited directly to an account with a bank and not to be immediately cashed by the holder over the bank counter . The format and wording varies between countries, but generally, two parallel lines may be placed either vertically across the cheque or on the top left hand corner of the cheque . By using crossed cheques, cheque writers can effectively protect the instrument from being stolen or cashed by unauthorized persons . </P> <P> Cheques can be open (uncrossed) or crossed . </P> <P> An open cheque is a cheque that is not crossed on the left corner and payable at the counter of the drawee bank on presentation of the cheque . </P>

Account payee crossing is a direction of the drawer to