An adjective clause is a group of words that describe a noun. The clause usually begins with the words who, which, that, whose, or whom. Here are examples of sentences with adjective clauses:
                 There are many customers who want to use credit cards.
                 This customer wants an account which doesn't require a minimum balance.
                  A loan is money that the bank lends to a customer.
                  The bank whose loan rates are the lowest will have more customers.
                  The bank officer whom I spoke with yesterday called me again.

 Look at the following list of adjective clauses:

                  who is used when the noun is a person
                  which is used when the noun is a thing
             that is used when the noun is a thing or a person
                  whose is used to show something belongs to a person or sometimes a noun
             whom is used in formal English when the noun is a person

Notice that the adjective clauses follow the nouns they describe.  When the adjective clause describes a noun that is the direct object of the adjective clause, it is possible to leave out the words that or who without changing the meaning. Here are some examples:

                  The checking account the customer wanted had no minumum balance.
                  The checking account that the customer wanted had no minimum balance.
                  The man she saw greeting the employees was the bank vice-president.
                  The man who she saw greeting the employees was the bank vice-president.

  Other words that can begin adjective clauses are where and when.
               Here are some examples:

                  This is the office where the terms of the loan are discussed.
                  Friday was the last day when the rates were low.

 Commas are used with adjective clauses when the adjective clause  is not necessary to understand the main meaning of the sentence. For example:

                  The bank lobby, which is on Lincoln Street, is closed on Sundays.

The information about Lincoln Street is not important to the main idea of the sentence.

                  All of his accounts were at Citibank, which is one of the world's largest banks.

 "which is one of the world's largest banks" is extra information and is not important to the main idea of the sentence.

                  The bank which is on Grant Street is open until 6:00pm. (no commas)

 This means that we are only referring to a particular bank, only the bank on Grant Street, not another bank.

 Note: that cannot be used when there are commas.

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