CROSSING OF CHEQUE :

It is the duty of the banker to ensure that the cheque is crossed specifically to himself and if the cheque is crossed to some other banker they should refuse to collect it. Similarly where the cheque is crossed to a specific account then crediting the same to another account without necessary enquiries would make him liable on the grounds of negligence. In case of “non-negotiable” crossing a banker cannot be held negligent merely because of collection of such instruments. In the case of Crumpling vs London Joint Stock Bank Ltd. [1911–13] All England Rep 647 it was held that a non-negotiable crossing is only one of the factors amongst others to be considered to decide about the bankers negligence and that the mere taking of a non-negotiable cheque cannot be held to be evidence of negligence on the part of the bankers.