function checkBankForm()
{
// defaults for the script
   var errors = '';
   var dateerror      = '';
   var dateerror2      = '';
   var oMyForm = document.bankform;
// regular expression patterns
   var validemail     = /^([a-zA-Z0-9_\.\-])+\@(([a-zA-Z0-9\-])+\.)+([a-zA-Z0-9]{2,4})+$/;
   var validname      = /^([a-zA-Z\-'])+ *([a-zA-Z\- '])*$/;
   var validpc1       = /^[a-zA-Z0-9 ]{2,}$/;
   var validpc2       = /^[a-zA-Z0-9 ]{3,}$/;
   var valid3digit    = /^[0-9]{3}$/;
   var valid4digit    = /^[0-9]{4}$/;
   var validcurrency  = /^[0-9]{1,}$/;
   var validphone     = /^[0-9 ]{11,}$/;
   var validnumber    = /^[0-9]{1,}$/;
   var validday       = /^[\d]{1,}$/;
   var validmnth      = /^[\d]{2}$/;
   var validyear      = /^[\d]{4}$/;

// test for basic mandatory form field values
   if(oMyForm.c1_ttl.value =='')
   { errors+='Select your title from the list.\n'; }
   if(!validname.test(oMyForm.c1_fn.value))
   { errors+='Provide your first name.\n'; }
   if(!validname.test(oMyForm.c1_sn.value))
   { errors+='Provide your last name.\n'; }
   if(oMyForm.c1_em.value =='')
   { errors+='Please provide your email address.\n'; }
   if((oMyForm.c1_em.value !='') && !validemail.test(oMyForm.c1_em.value))
   { errors+='Provide a valid email address.\n'; }
   if(!validphone.test(oMyForm.c1_th.value) && !validphone.test(oMyForm.c1_tm.value))
   { errors+='Please provide at least one contact number.\n'; }
   if(!validphone.test(oMyForm.c1_th.value) && oMyForm.c1_th.value !='')
   { errors+='Please provide a valid home number.\n'; }
   if(!validphone.test(oMyForm.c1_tm.value) && oMyForm.c1_tm.value !='')
   { errors+='Please provide a valid mobile number.\n'; }
   if(oMyForm.c1_calltime.value =='')
   { errors+='Select when you would prefer to be called.\n'; }
   if(oMyForm.chkpolicy.checked == false)
   { errors+='Please tick that you have read and accept the terms and conditions.\n'; }

// show errors or submit form
   if (errors)
   {alert(errors);}
   else{oMyForm.submit();}
}