Cross-cheque/ Account Payee cheque is a negotiable instrument as defined in section 13 of the Negotiable Instru­ments Act. (Mohammad Ali Vs. State and another, 2010, 39 CLC (HCD) [8313]) 

The English common Law doctrine that a debtor should seek out his creditor and pay the amount does not apply to negotiable instrument which stands on a different footing. (Rabia Khatun Vs. Ram Kali Mahajan (1950) 2 DLR 385)

See the statutory meaning of negotiable instrument from Legislative Dictionary.