If a bank has agreed for value to lend money, its breach of such agreement in refusing to make such loan and in requiring the promisee to remove his account from the bank, is a breach of contract and not a tort.1 The relation between the bank and a depositor is one of debtor and creditor, and the refusal of the bank to pay to the depositor the amount of his deposit,2 as where the bank has negligently paid checks which have been altered,3 is a breach of contract. The refusal of the bank to honor its depositor's checks has been treated as a breach of contract,4 and as a tort.5

2 Gill v. Middleton, 105 Mass. 477, 7 Am. Rep. 54S.

3 Russell v. Little, 22 Ida. 429, 42 L. R. A. (N.S.) 363, 126 Ac. 529.

4 Russell v. Little, 22 Ida. 429, 42 L. R. A. (N.S.) 363, 126 Ac. 529.

1 Gumaerd Lead & Zinc Co v. Erie R. Co., - N. J. - , 104 Atl. 134.

2 Gumaerd Lead & Zinc Co. v. Erie R. Co., - N. J. - , 104 Atl. 134.

3 Flint & Walling Mfg. Co. v. Beckett, 167 Ind. 491, 12 L. R. A. (N.S.) 924, 79 N. E. 503.

4 Flint & Walling Mfg. Co. v. Beckett, 167 Ind. 491, 12 L.R. A. (N.S.) 924, 79 N. E. 503.

5 Cockrell v. Henderson, 81 Kan. 335, 50 L. R. A. (N.S.) 1, 105 Ac. 443; Mahurin v. Harding, 28 N. H. 128, 59 Am. Dec. 401.

6 Hillman v. Wilcox, 30 Me. 170.

7 Pierce v. Carey, 37 Wis. 232.

1 Farabee-Treadwell Co. v. Union & Planters' Bank & Trust Co., 135 Tenn. 208, L. R. A. 1916F, 501, 186 S. W. 92.

2 Critten v. Chemical National Bank, 171 X. Y. 219, 57 L.R.A. 529, 63 N. E. 969.