Which statement about checks is true regarding crossing?

• A. A specially crossed check may be deposited at any bank.
• B. A specially crossed check can only be deposited in the bank named between the parallel lines.
• C. A generally crossed check cannot be deposited in a bank.
• D. A crossed check is never a negotiable instrument.

Answer: (B)

Crossing a cheque creates a payment restriction: two parallel lines across the instrument indicate that payments must go through a bank. When a bank’s name is written between those lines, the cheque becomes specially crossed, meaning it can be paid only through the named bank (or its branches). This is exactly what the statement states, making it the correct one. The other forms of crossing either allow deposit in any bank (general crossing) or don’t eliminate negotiability (a crossed cheque is still negotiable; it’s just restricted in how it can be paid).