Re: Any American equivalent for a 'crossed cheque', please?
I need to understand what a "crossed check" is before I answer. I don't quite follow Bob's description. Do you mean the person had to deposit it in a bank account? But if you have an account at that bank with funds sufficient to cover the check, they would essentially give you cash for it anyway, right? You deposit your check and simultaneously withdraw cash in the same amount, essentially cashing the check.
I suppose if you wrote the words "For Deposit Only" next to the person's name, they could only deposit it.
I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.