Each casino at its discretion may offer to all players the opportunity to "bank" the game. Each player, in turn starting from the dealer's right, has the option to be the bank or pass the bank to the next player (counterclockwise). If a player accepts to be the bank, a marker will be placed in front of this player. If no player accepts to be the banker, then the dealer will assume that role.

There are specific rules that casinos use regarding a player who wants to be the banker. For example, in order to be the banker, the player must have placed a wager against the dealer during the last round of play in which there was no player banking the game.

Also, the player must have sufficient gaming chips on the table to cover all of the wagers placed by other players at the table for that round. And in some casinos, the player is not allowed to bank two consecutive rounds of play.

When a player acts as the banker, all other player hands are compared to the banker's hand and not to the dealer's. The player acting as banker gets to shake the dice cup and is counted as position one for determining who will be dealt the first card. When a player banks, the dealer will wager an amount equal to the player's bet on the preceding hand. The banker has the option, however, to request that the dealer wager a lesser amount or not wager during that round of play. Also, when a player banks, all losing wagers are immediately collected and placed in the center of the table. The dealer will use these gaming chips to pay off winning wagers. If there are not enough chips, the banker must make up the difference. Likewise, all chips left after the round is completed are given to the banker after the dealer collects the 5 percent commission based upon the amount left.

A word of caution should another player act as banker: Be very careful not to expose your hand since the banker would have a distinct advantage if he knew what your hand is prior to setting his or her hand.