ABSTRACT
Until the arrival of the technological advances that are now part of the everyday banking service, the banker’s duty was merely to have its offices open during normal banking hours and to pay the customer his money depending on the terms upon which it was deposited (Joachimson v Swiss Bank Corp [1921] 3 KB 110; Kinlan v Ulster Bank Ltd [1928] IR 171). However, now the position is much more complex, with automated teller machines and internet services now becoming standard aspects of banking service, thereby enabling the bank effectively to provide a service all day long all year around.
