A Bearer cheque is one which the bearer (the person to whom the cheque was issued) can present at the bank on which the cheque was given and receive the cash
For ex: If I give you a cheque on my ICICI Bank account in Chennai to you, you can take that cheque to any ICICI bank branch in Chennai and collect the cash that is written on it (if i have sufficient balance in my account)
whereas a crossed cheque is one that cannot be cashed as said above. It can only be deposited into the payees (your) bank account
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