law: Negotiable Instruments Act, 1881 
  129. Payment of crossed cheque out of due course 
  Any banker paying a cheque crossed generally otherwise than to a
  
  banker, or a cheque crossed specially otherwise than to the banker to whom the
  
  same is crossed, or his agent for collection, being a banker, shall be liable
  
  to the true owner of the cheque for any loss he may sustain owing to the cheque
  
  having been so paid.