The crossed check so common in Britain is unknown in the United States. It is simply an ordinary check that has upon its face marks which signify that it must be presented through some other bank or banker; and checks of this description will not be cashed if they reach the bank upon which they are drawn by any other way. They are absolutely worthless for presentation in the hands of the wrong persons.
The banks are forbidden by law to cash such a check over the counter. The receiver of such a check must necessarily deposit it. Our stamped words "Payable only through the----------clearing house when properly indorsed" have nearly the same effect.
Some houses say on their bill-heads how checks are to be crossed. When the check is crossed simply by two lines it may reach the bank upon which it is drawn, through any bank; when it is crossed with a bank's name, it must reach the bank upon which it is drawn through the banker whose name appears between the crossed lines. When the drawer knows the name of the payee's banker he usually inserts it; otherwise he simply draws the lines.
A "Crossed" Check.
English banks do not certify checks. Every check must bear a penny stamp no matter for how small an amount it is drawn.