I would like to create a formula with mutiple "if's". Here's is how I have
the formula....Please let me know the correct way to phrase it to get my
results.

=IF(S3=Bank) and (E3 or F3=L), 1,0

I want it to meet a conditions in all 3 cells in order to assign a value of
1 if it meets them. 0 if it doesn't.

Thanks!!