A cheque is specially crossed if the name of the bank is written between two parallel lines drawn across it. This type of crossing provides an additional layer of security to the cheque as it can only be paid into the account of the payee with the named bank. It prevents the cheque from being paid to any other bank or cashed over the counter. Therefore, the payee must deposit the cheque into their bank account for it to be cleared and the funds credited to their account.