Concept:An open cheque is not crossed and can be presented for cash over the bank counter.Explanation:A crossed cheque must be deposited into a bank account, so it cannot be cashed directly over the counter.A certified cheque and a bank draft are also not intended for direct over-the-counter cashing.Therefore, the payee can receive cash immediately from the bank only when the cheque is an open cheque.Answer:C. open cheque