<P> When two parallel transverse lines, with or without any words, are drawn generally, on the left hand top corner of the cheque . </P> <P> A crossed cheque generally is a cheque that only bears two parallel transverse lines, optionally with the words' and company' or' & Co .' (or any abbreviation of them) on the face of the cheque, between the lines, usually at the top left corner or at any place in the approximate half (in width) of the cheque . In the UK, the crossing is across the cheque by the person who originally wrote the cheque (the drawer), or it can legitimately be added by the person the cheque is payable to (the payee), or even by the bank that the cheque is being paid into . </P> <P> Generally - crossed cheques can only be paid into a bank account, so that the beneficiary can be traced . </P> <P> A crossed cheque on its own does not affect the negotiability of the instrument . </P>

If the words not negotiable are used with special crossing in a cheque the cheque is