A cheque bears a cross across its face an addition of the word "and Companies"; again a cheque crossed generally bears across its face an addition of the words "account payee". What is the difference between these two cheques according to NI Act, 1881?

What is the meaning of "Crossing a cheque"? What does this crossing signify? Who can 2+3+2=7 cancel the crossing?

Can a bank issue demand draft payable to a bearer? A demand draft issued by you on one of your branches is lost before it reaches to the recipient. As a banker what steps will you follow when the purchaser of the draft demands his money back?