By Matthew A. Quick The court in Reger Development, LLC v National City Bank, found that a bank may require a borrower to make full repayment on a commercial loan even though the borrower was current on the note at time the bank made demand. The terms of the promissory note in this case allowed the bank to make demand for full repayment at any time, and a duty to act in good faith, relied upon by the borrower, does not apply to lenders seeking payment on demand notes.