While I agree in all points with Shri ACS. except in finding fault with such Bank.
When a Banker can get protection while payment in due course.
If he actus as an ordinary prudent man without doubts that the actual payee is not entitled for the payment.
An accountant may draw cash for the purpose of cash dealings like salary payments and other expenses, which should have been a normal practice.
The negligence of the drawer is clearly visible as the cheque was not crossed by drawer, if it is really intended to be given to outsiders. A mere striking a line on bearer makes the bearer cheque order, and it need not be ordinary cheque alone. If it is drawn to Mr X or bearer, is different from Mr.X or bearer, a striking over it that implies that the cheque should be paid only to Mr.X.
The drawer may invent hundred reads but not crossing the cheque, and leaving such blank cheques in other's possession without consideration are definitely for the Bank and against drawer.