EPCI vs Tan: As a business affected with public interest and because of the nature of its functions, the bank

is under
obligation to treat the accounts of its depositors with meticulous care, always having in mind the fiduciary nature of
their relationship.

The bank must record every single transaction accurately, down to the last centavo.

Westmont Bank vs. Dela Rosa-Ramos: considering that banks can only act through their officers and employees,
the fiduciary obligation laid down for these institutions necessarily extends to their employees.

Thus, banks must ensure that their employees observe the same high level of integrity and performance for it is only
through this that banks may meet and comply with their own fiduciary duty. Even if its their EE who are negligent, the
banks responsibility to its client remains paramount making its liability to the same to be a direct one.

Tan vs CA: Depositors do not pretend to be past master of banking technicalities, much more of clearing procedures.
As soon as their deposits are accepted by the bank teller, they wholly repose trust in the bank personnel's mastery of
banking, their and the bank's sworn profession of diligence and meticulousness in giving irreproachable service.

Must uphold the integrity of checks: An ordinary check is not a mere undertaking to pay an amount of money. There
is an element of certainty or assurance that it will be paid upon presentation that is why it is perceived as a convenient
substitute for currency in commercial and financial transactions. The basis of the perception being confidence. Any
practice that destroys that confidence will impair the usefulness of the check as a currency substitute and create havoc
in trade circles and the banking community.