If you want all 3 cells than OR shouldn't be used

=IF(AND(S3="Bank",E3="L",F3="L"),1,0)

if you mean 2 cells use

=IF(AND(S3="Bank",OR(E3="L",F3="L")),1,0)

regards,

Peo Sjoblom

"Kim46770" wrote:

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!!