This section is from the book "The Elements Of Banking", by Henry Dunning Macleod. Also available from Amazon: The elements of banking.
6. A banker's general Lien is part of the Law Merchant, and is judicially noticed as such.
A banker has a general Lien over all securities deposited with him by his customer as a banker, for debts due to him by his customer without any specific appropriation.
But he has no Lien over securities placed in his hands for a special purpose. If he receives securities in such a way he undertakes to do what he is requested: and such an undertaking is quite inconsistent with the notion of a Lien.
If a banker takes a security payable at a future day, his Lien is gone. For taking the security payable at a distant day, is payment pro tempore, and an extinction of the debt: and no new debt arises until default is made in payment of the new security.
 
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