How to Cash a Crossed Check

by Angela M. Wheeland
If you receive a crossed check, you'll have to deposit it in your account.

A crossed check is one that includes two parallel lines through the top-left corner or across the entire check. Crossed checks are more secure than regular checks, because the "cross" indicates that a bank can't cash the check immediately. The bank must deposit the check into the payee's account and wait for the check to clear before making the funds available. Banks in the United States don't usually use crossed checks, but the procedure is used commonly on checks from Great Britain.

Look over the crossed check and see if anything is written between the two lines. If the check contains the words "a/c payee," "non-transferable" or "account payee only," the check must be deposited into the account of the person named on the check. This means you can't sign over the check to someone else. You must deposit the check into your own bank account.

Sign the back of the crossed check and present it to the teller. You'll also have to show proof of your identify. The teller will place a hold on the check until the check clears. Depending on the bank, this could take several days. Once the check clears, the bank will deposit the funds in your account.

Withdraw the cash from your bank account. Once the money is available, you can withdraw it as you would any other cash -- through a bank teller or automated teller machine. You can also write checks or use your debit card to make purchases.

About the Author

Angela M. Wheeland specializes in topics related to taxation, technology, gaming and criminal law. She has contributed to several websites and serves as the lead content editor for a construction-related website. Wheeland holds an Associate of Arts in accounting and criminal justice. She has owned and operated her own income tax-preparation business since 2006.

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