Section 78: General and special crossings defined.

(1) Where a cheque bears across its face an addition of-
(a) the words "and company" or any abbreviation thereof between two parallel transverse lines either with or without the words "not negotiable"; or
(b) two parallel transverse lines simply, either with or without the words "not negotiable"
that addition constitutes a crossing, and the cheque is crossed generally.
(2) Where a cheque bears across its face an addition of the name of a banker, either with or without the words "not negotiable", that addition constitutes a crossing, and the cheque is crossed specially, and to that banker.