law: Negotiable Instruments Act, 1881 
  126. Payment of cheque crossed generally 
  Where a cheque is crossed generally, the banker on whom it is
  
  drawn shall not pay it otherwise than to a banker.
  Payment of cheque crossed specially: Where a cheque is crossed specially,
  
  the banker on whom it is drawn shall not pay it otherwise than to the banker to
  
  whom it is crossed, or his agent for collection.