The proprietor of an unincorporated bank. A person or firm engaged in receiving deposits, discounting commercial paper, selling bills of exchange, and doing a banking business without special privileges or authority from the state. Perkins v Smith, 116 NY 441, 446, 23 NE 21. A person or firm engaged in the banking business under authorization by the state, subject to the general requirements of supervision and inspection. Ex parte Wisner, 36 Mont 298, 92 P 958. According to most authorities, the legislature may prohibit all private banking and restrict the right to conduct a banking business to corporations. The term "bank" as used in some statutes does not include a private banker. 10 Am J2d Banks § 13.