So a hand totalling 18 would count as eight. The player with the most money is usually is declared the banker - this is the casino in Baccarat Banque and rotates in Chemin de Fer. The banker deals three hands of two cards each, face down. These hands are for two players, one to the right and one the left of the banker, plus his own hand. The player must stand on six or seven and must draw on four or less.
Casinos usually take their percentage of the bank and bets as their fee for the game.