what is cross cheque

 क्रॉस केलेला चेक म्हणजे असा चेक ज्याच्या समोर दोन समांतर रेषा असतात, सहसा वरच्या डाव्या कोपऱ्यात, ज्यावरून असे दिसून येते की तो फक्त बँक खात्यात जमा केला जाऊ शकतो आणि काउंटरवरून कॅश करता येत नाही.   

येथे अधिक तपशीलवार स्पष्टीकरण आहे:

उद्देश:

चेक क्रॉस करण्याचा प्राथमिक उद्देश सुरक्षितता वाढवणे आणि निधी ताबडतोब कॅश आउट होण्याऐवजी प्राप्तकर्त्याच्या खात्यात जमा केला जाईल याची खात्री करणे आहे.

हे कसे कार्य करते:

या दोन समांतर रेषा बँकेला सिग्नल म्हणून काम करतात, ज्यामुळे त्यांना फक्त बँक खात्यात जमा करण्यासाठी चेक स्वीकारण्याची सूचना मिळते, तात्काळ रोख रक्कम भरण्यासाठी नाही.

क्रॉसिंगचे प्रकार:

जनरल क्रॉसिंग: कोणत्याही विशिष्ट सूचनांशिवाय, चेकवर दोन समांतर रेषा काढल्या आहेत.

विशेष क्रॉसिंग: एका विशिष्ट बँकेचे नाव दोन समांतर रेषांमध्ये लिहिलेले असते, म्हणजेच चेक फक्त त्या नावाच्या बँकेतील खात्यातच जमा करता येतो.

फायदे:

सुरक्षा: क्रॉस केलेले चेक चोरीचा आणि निधीमध्ये अनधिकृत प्रवेशाचा धोका कमी करतात.

रेकॉर्ड साफ करा: ते व्यवहाराची स्पष्ट नोंद प्रदान करतात आणि लाभार्थ्यांच्या माहितीचा मागोवा घेणे आणि पडताळणी करणे सोपे करतात.

चेक कसा क्रॉस करायचा:

चेकच्या समोरील बाजूस किंवा वरच्या डाव्या कोपऱ्यात दोन समांतर रेषा काढून तुम्ही चेक क्रॉस करू शकता.   

A crossed cheque is a cheque with two parallel lines drawn across its face, usually at the top left corner, indicating that it can only be deposited into a bank account and not cashed over the counter. 

Here's a more detailed explanation:

Purpose:

The primary purpose of crossing a cheque is to enhance security and ensure that the funds are deposited into the payee's account rather than being cashed out immediately.

How it works:

The two parallel lines act as a signal to the bank, instructing them to only accept the cheque for deposit into a bank account and not for immediate cash payment.

Types of Crossing:

General Crossing: Two parallel lines are drawn across the cheque, without any specific instructions.

Special Crossing: The name of a specific bank is written between the two parallel lines, meaning the cheque can only be deposited into an account at that named bank.

Benefits:

Security: Crossed cheques reduce the risk of theft and unauthorized access to funds.

Clear Record: They provide a clear record of the transaction and make it easier to track and verify the beneficiary's information.

How to cross a cheque:

You can cross a cheque by drawing two parallel lines across the face of the cheque, either across the cheque or in the top left-hand corner. 

1. Crossed Cheque:

Definition: A cheque with two parallel lines drawn across the face, indicating it can only be deposited into a bank account and not cashed directly.

Purpose: Enhances security by ensuring the money goes directly into the payee's account.

2. Account Payee Cheque:

Definition: A crossed cheque with the words "Account Payee" or "A/C Payee" written between the parallel lines, further specifying that the funds can only be credited to the payee's account.

Purpose: Considered one of the safest forms of cheques.

3. Bearer Cheque:

Definition: A cheque payable to the person holding or presenting it to the bank.

Purpose: Can be cashed by anyone who possesses the cheque.

Example: Traveler's cheques.

 

4. Order Cheque:

Definition: A cheque where the drawer (the person writing the cheque) specifies the payee's name.

Purpose: The bank validates the payee's identity before proceeding with the payment.

5. Post-Dated Cheque:

Definition: A cheque with a future date on it.

Purpose: The payee cannot cash the cheque before the date mentioned.

 

6. Ante-dated Cheque:

Definition: A cheque with a date earlier than the date it is presented for payment.

7. Self Cheque:

Definition: A cheque written by an individual to themselves.

Purpose: Used to withdraw money from their bank account.

8. Stale Cheque:

Definition: A cheque that has been written for a long time and not deposited or cashed.

Purpose: Not valid for payment after a certain period (usually 3-6 months).