a cheque crossed generally does not in any way affect the transfer by a holder. The crossing is a protection for the drawer as a crossed cheque must be paid into a bank account and therefore can be traced., a check which, due to the addition of one or several crossing marks, is limited in the way in which payment can be effected, with either the number of payees restricted or payment being possible only by a credit in an account; may not be cashed, but may only be paid into a current account; on the front of the cheque the words' account payee' are written