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  1. #1
    Mehrgan's Avatar
    Mehrgan is offline Key Member
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    Any American equivalent for a 'crossed cheque', please?

    Hi,

    I'd appreciate any reply. Thanks.

  2. #2
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    BobK is offline Harmless drudge
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    Re: Any American equivalent for a 'crossed cheque', please?

    Perhaps speakers of Am English may have difficulty answering this, because the lack of a word reflects the fact that the thing doesn't exist. But maybe it does exist....

    They've stopped being used in the UK, but maybe the concept of 'crossing a cheque' still has weight. My first cheque book, in about 1970, had blank cheques that one could cross in ink - you drew two parallel lines from top to bottom and wrote "& co.' in the space between them. This had the effect of imposing a restriction on the recipient - it could only be credited to a bank account, and not simply exchanged for cash.

    Shortly after that (mid-seventies...?) the banks started printing pre-crossed cheques. A while ago they stopped. Because of bank-laundering rules, you can't now exchange a cheque for cash anyway (unless you do it in the normal course of events at a bank because you hate ATMs ). So I don't think crossing has any force anyway.

    b

  3. #3
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    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.

  4. #4
    Tdol is offline Editor, UsingEnglish.com
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    Re: Any American equivalent for a 'crossed cheque', please?

    You could get cash from an uncrossed cheque . A crossed cheque would transfer the funds to another bank account. The account holder can withdraw cash with a crossed cheque from their account if they have ID and make the cheque payable to Cash.

    At least that was the state of play the last time I did it, though Bob suggests that things have changed.

    A crossed cheque has two vertical lines on it.

  5. #5
    SoothingDave is offline VIP Member
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    Re: Any American equivalent for a 'crossed cheque', please?

    The entire thing sounds foreign to me. When one receives a check, he can sign it on the back with "for deposit only" on it to prohibit anyone who steals the check from cashing it.

    When one is giving a check I have never heard of putting any kind of prohibition on its use.

  6. #6
    Tdol is offline Editor, UsingEnglish.com
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    Re: Any American equivalent for a 'crossed cheque', please?

    Must be a cultural difference- the standard cheque in the UK was a crossed one that transferred funds to another account. Uncrossed cheques were much rarer.

  7. #7
    Barb_D's Avatar
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    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.

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