Must cut /cross the Bearer

Dear Administrator

first of all i am thanking your valuable support for our work
i expected some more feachers from your freechequewriter
Mr.Admin normally if we want cross the cheque only we can check the ac pay
if we checked ,the payee can not encash without any bank account . am i correct ???
my expectation is no need to print AC Pay but should cur or cross the Bearer
Please clarify my expectation.

Thanks for your quick response
Mr.Admin please review my attachment
my question is if i check the AC Pay only the result should be crossed bearer and AC Pay only both appear on CQ - It is fine
next my expectation is only cross the bearer
both option want separately 1) only bearer cross
2) A/C Pay only and Bearer cross

ok it is fine Mr Admin
I am waiting for this option