By and large, the relationship between a bank and its customers is contractual and governed by the usual contract rules. Such a relationship is also regulated by various statutes. Still, it is a contract in a specialised market with a long history and, consequently, it has acquired a large raft of terms implied by custom and usage. These may, of course, always be ousted by express terms, but clear and unequivocal words are required for the effect.
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