A person who has some sort of account with the bank (may be fixed, current or savings). Frequency of
transaction is in the account is not essential. One
single
transaction is good enough. Banker-customer relationship is a contractual. Availing of DD/TT facilities and depositing valuables for safe custody and other
services occasionally without having any account with
the bank are not
enough to become a customer.
Banker-Customer: General Relationship.
A banker, in course of his day to day business, enters into different kinds of relationship with his customers
and clients. These relationships may
be broadly categorized as (a) General Relationship and (b) Special
Relationship. The General Relationship between a banker and customer differs depending
on the basis of types of dealing they undertake between themselves. Banker-customer is contractual relationship. Generally
the following are the major forms of relationships between a
banker and his customers: (a)
Debtor-Creditor, (b)
Principal-Agent,
(c)
Trustee-Beneficiary,
(d) Bailor-Bailee and (e) Lessor-Lessee.