A banker is a person who accepts money from customers, collects checks, and honors checks or orders drawn on them. They also keep current accounts in their books, entering credits and debits. “Individual banker”: This refers to a person who operates as a banker on their own, rather than as part of a larger institution like a bank or corporation.

[Perkins v. Smith, 116 N.Y. 441 (N.Y. 1889)]