We need to have our own Bank

Who is "we"?

If you are referring to the State, please note that we own a slice of AIB, and we fully own PTSB.

Join your local credit union OP and you are technically a shareholder.

That's not a bank. Its operated very much similar to a credit union.

OP might be more successful opening a credit union, but the day to day banking market is now saturated here due to the number of fintechs.

A wank bank perhaps?

All bases covered

...banks create money, banks create the majority of our global money supply is the form of credit, banks are not intermediators, as is believed so by most, this is one of the main reasons that lead to the 08 crash!

...its true unfortunately, but most havent accepted this reality yet, and may never, this has been confirmed by respected sources since the 08, including some central banks themselves, banks do indeed simply just create the money for loans, this method is commonly called 'double entry book keeping', yes it sounds like a load of nonsense, but again, its been confirmed.

banking 'stores' are technically called 'reserves', but banks cannot lend from their reserves, but in order to lend, they must meet whats called 'reserve requirements', banks tend to lend first, then balance their books, they can do this by a multitude of methods, including inter bank lending....

deposits play a vital role in banks meeting their reserve requirements, deposits are a part of banking reserves, alongside other 'assets', yea if everyone withdrew at once, banks would more than likely become insolvent, and eventually, kaboom....

Bank of After Hours dress code suited and booted mandatory carrying a razor blade and 2 grams.

They weren't being petty. AIB was an amalgamation of long existing banks. It was not founded in 1966. A name change to reflect amalgamation or consolidation of existing entities is not a founding.

You'd make some banker with 9s as 6s