law: Negotiable Instruments Act, 1881 
  131. Non-liability of banker receiving payment of cheque 
  A banker who has in good faith and without negligence received
  
  payment for a customer of a cheque crossed generally or specially to himself
  
  shall not, in case the title to the cheque proves defective, incur any
  
  liability to the true owner of the cheque by reason only of having received
  
  such payment.
  33[Explanation: A banker receives payment of a crossed
  
  cheque for a customer within the meaning of this section notwithstanding that
  
  he credits his customer's account with the amount of the cheque before
  
  receiving payment thereof.]