The first about being 21 is factually incorrect (you forgot about the military exception). The Demographic Reports for Fiscal Year 2008 show the following numbers of licenses issued during that year by age: 18=2, 19=15, 20=19. When I read something and find an error like this, the whole article becomes suspect, at best.wgoforth wrote: 7. All CHL holders are 21-years-old or older.
It is no wonder that a bank in San Antonio has a sign which says "CHL holders are welcomed and appreciated."
Second point about the bank carries no weight to me because it is so vague. If you had said something along the line of "the McScrooge Bank on 5th Ave. in San Antonio" it would add authority to the statement.