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<h1>Crossed cheque rule: payment allowed only through a banker; special crossing confines payment to named banker or agent.</h1> A cheque crossed generally requires the banker on whom it is drawn to pay only through a banker, prohibiting direct payment to the bearer or payee. A cheque crossed specially restricts payment to the specified banker or that banker's authorised agent for collection, thereby limiting the mode and recipient of payment to intermediary banking entities.