Where relative pronoun

[sk8ternite]

It was extremely discouraging to learn that the bank, with whom I have had a savings account for over twenty years, could not open a checking account for me because I did not have proper identification.

a. that the bank, with whom I have had a savings account for over twenty years
b. that the bank, with which I have had a savings account for over twenty years
c. that the bank, with who I have had a savings account for over twenty years
d. that the bank, with that I have had a savings account for over twenty years
e. that the bank, where I have had a savings account for over twenty years

OA B











For D, it says "where I have had a savings account for over twenty years" becomes as adjective phrase, modifying bank, and the commas are no longer needed. Why arent the commas needed?

[capnx]

you need commas if the phrase comes before or in the middle of the main clause, but not at the end (if the phrase comes directly after the noun to which the phrase is modifying).

ie: When I saw her, I fell in love with her.
The bank, where the theft took place, was closed.
They studied in the park where the environment was a lot nicer.

[sk8ternite]

you need commas if the phrase comes before or in the middle of the main clause, but not at the end (if the phrase comes directly after the noun to which the phrase is modifying).

ie: When I saw her, I fell in love with her.
The bank, where the theft took place, was closed.
They studied in the park where the environment was a lot nicer.

but the phrase is in the middle the clause

[vishal1702]

Just another view...

Don't we say "have a savings account with the bank" rather than "have a saving account in(where??) the bank"....ruling out option E??

[capnx]

you need commas if the phrase comes before or in the middle of the main clause, but not at the end (if the phrase comes directly after the noun to which the phrase is modifying).

ie: When I saw her, I fell in love with her.
The bank, where the theft took place, was closed.
They studied in the park where the environment was a lot nicer.

but the phrase is in the middle the clause

yes, you're right. I'm mistaken. In this case where is restrictive so the sentence cannot use a comma there. Here's further explanation:
https://owl.english.purdue.edu/owl/resource/645/01/

Defining relative clauses (also known as restrictive relative clauses) provide some essential information that explains the main clause. The information is crucial for understanding the sentence correctly and cannot be omitted. Defining clauses are opened by a relative pronoun and ARE NOT separated by a comma from the main clause.

[arorag]

can someone explain me E and D are wrong and B is correct