[WillowTheWhisp]

Originally Posted by Neil

It is only secure if the person at the bank is checking properly.

If the bank cashier had accepted an account payee cheque and deposited it into an account other than the named payee and if you could prove they had done so then the bank would be guilty of negligence and the onus would be on them to get the money back.

Very few uncrossed cheques are issued these days because of the amount of fraud which used to take place. After all if a cheque payable to "Joe Bloggs" had the name "Joe Bloggs" signed on the back of it how would the bank know that Fred Smith hadn't done it so that he could pay the cheque into his own account? The system was just asking for trouble.