Crossed cheques and a/c payee cheques are same. There is no difference between them. Whether only cross the cheque or can write a/c payee only between the crossed parallel lines. Both work as same.
What Is Diff Crossing And A/c Payee Cheque?
The answer given is wrong. A/C payee crossing is a restrictive crossing. There are other types of crossings as well. The best answer is given in wikipedia.