And I call that fundamental solution the deposit-only bank (DOB).

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There accumulated the first of our tale, a deposit of what we now call conventional oil.

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" Yes, confirms Abacan, "our teller will later call him to say, 'Your deposit is 1 million pesos.

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It may be too early to call Utica the last big shale-oil deposit, in part because its productivity hasn't been proven, said Pete Stark, with energy consultancy IHS. But the Utica's size, geology and organic content make it "a promising play, " he said.

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Banking customers deposit money or withdraw cash at the grocery till, but everything else is handled by the call centres of the grocers' bank partners.

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For buy to let investors (or private landlords as we might call them) are likely to be the people with the finances to be able to make a substantial deposit.

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"We're buying a large deposit franchise with a loyal customer base, " said PNC chief executive James Rohr on a conference call Friday.

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