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  1. #11
    Tdol is offline Editor, UsingEnglish.com
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by SoothingDave View Post
    Cross-checking - Wikipedia, the free encyclopedia

    The only cross checking I know about happens on the ice.
    Here's an example: http://2.bp.blogspot.com/_uwp-SjzlFF...-st-cheque.jpg

  2. #12
    Tdol is offline Editor, UsingEnglish.com
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by 5jj View Post
    You had farthings? When I were a lad the only farthing I saw were the one me pa gave me mam when he handed over his week's pay for her to get the family's food.
    Those who don't get this might watch the following: Monty Python - Four Yorkshiremen - YouTube

  3. #13
    Barb_D's Avatar
    Barb_D is offline Moderator
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    So after all this, the answer is "There is no American term for this. It's a totally foreign concept for our banking system."
    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.

  4. #14
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    probus is offline Key Member
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by Barb_D View Post
    So after all this, the answer is "There is no American term for this. It's a totally foreign concept for our banking system."
    Not quite, I think. A crossed cheque in the British system had two parallel diagonal lines drawn across it from top to bottom (or maybe they could also be vertical as Tdol says they were.) In my youth our Bills of Exchange Act defined and recognized crossed cheques, although I believe they were not used in Canada, at least not after the 1950s.

    The effect of those two lines was that the cheque could not be cashed, but only deposited into a bank account. So an American equivalent would be to endorse a cheque that you issued on the back with the words "For deposit only to credit of (the payee)" as Soothing Dave said above.

    Except that if you did that it would no longer be a cheque, but a check.
    Last edited by probus; 02-Mar-2013 at 14:16.

  5. #15
    Route21's Avatar
    Route21 is offline Senior Member
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by 5jj View Post
    You had farthings? When I were a lad the only farthing I saw were the one me pa gave me mam when he handed over his week's pay for her to get the family's food.
    You never bought a small loaf for nine pence three farthings and the shop never had any farthings (complete with the wren on the back) for change?

  6. #16
    5jj's Avatar
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by Route21 View Post
    You never bought a small loaf for nine pence three farthings and the shop never had any farthings (complete with the wren on the back) for change?
    Buy a loaf of bread? We had to steal crumbs from bird tables if we wanted bread.
    Please do not edit your question after it has received a response. Such editing can make the response hard for others to understand.


  7. #17
    emsr2d2's Avatar
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    When I was a child, I remember my dad drawing two short diagonal lines across his cheques and writing "Payee only" between them. I assumed that was to ensure that no-one apart from the payee could pay them into their bank account. I never really understood that, as I assumed that writing a name on the "Payee" line ensured that.

    I don't think we have to cross cheques any more, but I could be wrong - it has been about six years since I last wrote a cheque.
    Remember - correct capitalisation, punctuation and spacing make posts much easier to read.

  8. #18
    5jj's Avatar
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by emsr2d2 View Post
    When I was a child, I remember my dad drawing two short diagonal lines across his cheques and writing "Payee only" between them. I assumed that was to ensure that no-one apart from the payee could pay them into their bank account. I never really understood that, as I assumed that writing a name on the "Payee" line ensured that.
    My memory tells me that the payee could endorse the back of a crossed cheque so that it could be paid into somebody else's account. However, if the words 'account' (or 'a/c') payee only' had been written between the lines of the crossing, it could be paid in only to the payee's account.
    Please do not edit your question after it has received a response. Such editing can make the response hard for others to understand.


  9. #19
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    Quote Originally Posted by probus View Post
    The effect of those two lines was that the cheque could not be cashed, but only deposited into a bank account. So an American equivalent would be to endorse a cheque that you issued on the back with the words "For deposit only to credit of (the payee)" as Soothing Dave said above.

    Except that if you did that it would no longer be a cheque, but a check.
    I think I more or lesss suggested that in post #3
    Quote Originally Posted by Barb_D View Post
    Do you mean the person had to deposit it in a bank account? ...

    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.

  10. #20
    BobK's Avatar
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    Default Re: Any American equivalent for a 'crossed cheque', please?

    So, to summarize, it seems that there's no direct American equivalent of a crossed cheque, but there is a recognized process for achieving the same end: mark it 'for deposit only' - I think that's the wording both Barb and SD used.

    b

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