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बुज़ुर्ग
अनौपचारिक कार्यकर्ता
चेक को क्रॉस करने का मतलब है कि इसे किसी और को ट्रांसफर नहीं किया जा सकता है। ऐसे चेक में, आपको चेक के ऊपरी बाएं कोने पर दो समानांतर रेखाएं खींचनी होती हैं और आप इसके साथ “केवल खाता प्राप्तकर्ता” या “निगोशिएबल नहीं” शब्द लिख सकते हैं।
केवल उदाहरण के लिए
इन चेकों को किसी बैंक के कैश काउंटर पर भुनाया नहीं जा सकता है, लेकिन केवल प्राप्तकर्ता के खाते में जमा किया जा सकता है।
पहचान के दुर्विनियोजन या हानि के जोखिम को कम करने के लिए इन चेकों को क्रॉस(रेखित) किया जाता है। चूंकि क्रॉस किए गए चेक काउंटर पर देय नहीं होते हैं और राशि चेक धारक के बैंक खाते में जमा हो जाती है, यह अनक्रॉस या ओपन चेक की तुलना में पैसे ट्रांसफर करने का एक सुरक्षित तरीका है, जिस पर कोई राशि नहीं लिखी गई है।
भुगतान को प्रतिबंधित करने के लिए जहां चेक पर बैंक का नाम दर्शाया गया है, वहां एक क्रॉसिंग भी की जा सकती है। उदाहरण के लिए, यदि चेक B के नाम से बनाया गया है और चेक पर “बैंक ऑफ बड़ौदा” क्रॉसिंग बनाया गया है, तो चेक केवल बैंक ऑफ बड़ौदा में B के खाते में देय होगा और किसी अन्य बैंक में नहीं होगा।
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