law: Negotiable Instruments Act, 1881 
  128. Payment in due course of crossed cheque 
  Where the banker on whom a crossed cheque is drawn has paid the
  
  same in due course, the banker paying the cheque, and (in case such cheque has
  
  come to the hands of the payee) the drawer thereof, shall respectively be
  
  entitled to the same rights, and be placed in the same position in all
  
  respects, as they would respectively be entitled to and placed in if the amount
  
  of the cheque had been paid to and received by the true owner thereof.